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Isn't that like saying if I chose to drive a porsche and another driver crashed into it but their brakes failed so it wasn't their fault that I should pay for it? In that situation they or their insurance would be responsible for the repairs, no matter the value, and I wouldn't lose my no claim bonus.
I don't know whose fault the leak is because the OC won't answer my questions about it but I know it wasn't mine so don't see why I should be out of pocket for it. I can claim on my insurance but I would need to pay the excess plus then my premiums go up. Plus if what you suggest is correct this could in theory happen again and again until I'm bankrupted or refused insurance coverage.