Hello, I have the possibility to get a discount protection for (approx.) 40 € a year with my insurance. Now in the last or the penultimate AMS on the subject of discount protection, you should not do that because you would be regraded if you changed the insurance after all. Now for me to understand: Where should the disadvantage lie there? the following example: I have SF 25 and build an accident. I am then regraded (e.g. in SF 15). If I change the insurance now , I will be classified there (also as an example) in SF 15. Now I have SF 25 and discount protection. I build an accident and stay with my insurance in SF 25. If I change the insurance now, I will be classified there in SF 15. Where is the disadvantage now? As long as I do not intend to change, I can only see advantages (except for the contribution) and if I change, do I have no disadvantages? Did I miss anything? Greetings Jan