Insurance queries
 

I was wondering whether it's worth getting an insurance policy where they protect your no claims bonus - any views? The thing is that when you get a quote they always ask about recent accident history as well, so what's to stop them from just loading your policy for this factor instead, even though they keep your NCB intact?

Also does anyone know whether an accident and/or claim on one vehicle type (e.g. your car) makes a difference to the cost of cover for another vehicle type (e.g. bike)?