Been with my current insurer for 5 months and have a 6 years no claims discount. Paying around £600 per year. I thought I had ticked the option to protect my claims but it turns out I havent. And I cant add that option on now so far into the policy. To cancel the current policy costs £50. Should I cancel and get another policy instead with the protected no claims? The reason I ask is because I may need to put a claim in which means that my no claims would disappear.