Softus said:Secondly, whether or not the policy holder's own car is covered by the policy is a matter of contract. Whether or not the contract is voided by dangerous driving is also a matter of contract, but I doubt that it would be (voided).
Interesting that you say that, as I agree with and understand everything you've written, but my natural assumption is that this would void the insurance.
If I stuck a lit rag in my petrol tank, and the car blew up, I'm sure the insurance company would argue that I had been behaving illegally and recklessly and not pay out.
If I had failed to have an MOT for five years and one of my shock absorbers rotted through causing me to crash, I'm sure they'd do the same.
If I was driving at 62 in a 60 zone and had a crash, I'm sure they still would pay out.
Naz's offence obviously lies somewhere on a continuum between these, but I would have asssumed that it wouldn't pay for his losses as his accident would have been a direct result of his actions. Have to go and read my small print now.