Sadly, these days, yes. It needs to be contested and the case taken to appeal at the new Supreme Court to define the law. They have sold you 'protected' no claims discount. But they have nevertheless increased the basic premium you pay because of a claim. So what one hand has sold you the other hand has taken from you. A bit like buying a car at a 20% discount, then finding out that the price has gone up by 80%. To me, that's fraud. Might be to a judge.