Hogenbor,
What do you mean under "protected" fuel tank ? There were many ways employed for that. One of the most common was using self sealing tanks, however, unlike the common opinion holds, these were not any less suspicable to fire/exploding as unprotected ones, they merely sealed the holes the bullets made (to a limited extent, they worked great vs. small rifle caliber hits, rather limited vs. HMG hits, and being practically useless above that caliber). Indirectly this also meant there was less fuel sprayed around, decreasing the chance of a secondary fire hazard, but again, the bullets that hit the tank could ignite it the same.
A fuel tank usually explodes if the the incendinary ammo hits it above the fuel level, where the fuel and air are mixed into each other. This oxygene-gas mixture is very prone to explosion, in fact it`s employed in some modern weapons such as vacuum bombs. If the hit occurs under the fuel level, there`s some chance of fire, which can also lead to explosion if it ignites the mixture above fuel level... To avoid this, some designs employed different protection methods, though the majority was unprotected, being made up a simple S-S tank.
The Soviet Lagg series used a smart preventive gas system, that allowed to lead the exhaust fumes of the engine into the fuel tank. Since the exhaust gas was low on oxigen, and high on CO2, N etc., it decreased the chance of the fuel tank exploding. AFAIK such "neutral gas" systems are used in today as well, with more advanced solutions. Another passive method was lightly armoring the fuel tank, to stop the round or at least strip it of it`s incendiary head; such could be found on many bombers. A similiar protection can be found on the Bf 109 F/G series, being made up of a series of aluminium plates (about 20), that worked great vs. .303 and .50 caliber incendinary ammo, stripping them of their incendiary content as they passed through, also improving the pilot`s protection by slowing the rounds down and ruining their trajectory. The Zero itself in it`s later versions was using an active solution, the fuel tanks had fire extinguishers installed.
Also there`s the factor of the ammunition used, especially in larger calibers. Delayed action fuses can be effective vs. armored tanks, but if the tank is not armored, it may very well pass through the light structure w/o doing any serious harm. Similiarly, instant-action fuses may work very well on small aircraft with small dimensions (i.e vs. unarmored fighters), however vs. armored or large structures they could be ineffective. An example for that is the 3cm MK 108 ammunition, which employed instant-fused High Capacity HE shells, and as a result of experiance with US heavies, a special delay action Incendinary round with hydrostatic fuse to detonate only in liquid (fuel).
Quite a complex subject, it is.