flickr.com and NAV

Excuse me if this question is out of line, but I want to know how/if NAV (2008) protects me when I use flickr.com

I have heard that sometimes there are virus/malware uplaoded to flickr.com attached to people's pictures

I go on there to view pics on certain subjects. So if I look at a picture on there,

1. Am I open to picking upa a virus/malware just by looking/clicking on thumbnails to open them up?

2. Or do I have to save/download to my comp for infection to happen

3. The NAV layers of protection would it stop infection (if the infection has been added to the antivirus/malware defs) if I did open an infected pic?