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The Excess Protection as a separate policy from ULR does not indicate whether you were to blame for the incident or not. All it is effectively doing is amending your main policy, to one with a nil excess rather than the £250 or whatever level you took. It will therefore have no bearing on...

The first thing is your no claim discount is just that a NO CLAIM discount, it is not a NO BLAME discount. Your Insurers are therefore just adhering to the conditions of your policy, in that unless you opted for protected no claim discount, then in the event of an incident, unless a full...