I would think that you should not even need to use the "protect no claims" really since you were rear-ended. I thought it was pretty much always the fault of the person driving behind you and that he/she did not keep their distance.

I'm from a town called Neuchatel which is about 45 mintues from Bern.

My insurance company have said 99.9% of rear end claims go against the person driving behind you although she is trying to blame me now so, I guess i will have to claim for whiplash aswell now!!

Nick are you actually swiss? I know quite a few swiss guys and their English is nowhere near your standard. I worked alot in Lenzburg last year and its started abit of a love affair with Switzerland for me now.

I was born in Switzerland but I'm actually German, although I've never lived in Germany nor do I speak the language. I learned English in an British school in France many years ago and the fact that I now work in an English speaking environment probably helps to keep it up, but thanks for the comment...

Were you in Lenzburg, canton Aargau? Yeah I like Switzerland as a place to live. I've spent most of my life in France but I enjoy being back here now, even though I'm nowhere near the place I used to live in as a child.

Nick please excuse my ignorance but does canton Aargau cover a large area? I was staying in Lenzburg but working in Wohlen if that helps? Have to say I loved Lucerne, a beautiful place.

I wish my german was as good as your English but sadly it's not!