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- #21
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 whether you will have your no claim discount reinstated.
Any ULR policy which would cover the cost of a hire car while yours was being repaired, the excess (if you didn't have the separate cover) and other out of pocket expenses is the one where you would obtain a clearer indication of fault, as if your ULR Insurer recovered the costs then it is a clear indication that you were not at fault.
Just wanted to clarify rather than getting your hopes up unduly.
No, I understand, and thanks. I don't really have knee-high hopes though, TBH....I will await the next reply from them. Your comments and those of others have been very helpful - not least in preventing me turning into a ranting nitwit without any visible or legally credible leg to stand on.
A bugger, though. On the bright side, everyone who has ever crossed me in a way that has had impact on me has later come a cropper, as I may once have posted in another thread, without my lifting a finger. Weird, but true.

