I was fully comprehensive with protected no claims protection and legal cover. Another driver had a heart attack at the wheel and drove into me on my side of the road. The police agreed that it was absolutely not my fault but still Axa did not compensate me for my claim and stated that due to the fact that the other driver was clinically dead prior to impact that they are not liable. I'm now hugely out of pocket. The icing on the cake is the fact that they have made the claim my fault and put my insurance up despite having protected no claims. I've never been on hold for less than 45 minutes and now need to complain via the regulator. I'm not sure how they could be worse.