CS wrote:

<SNIP> One thing that surprised me at my renewal with NFU Mutual this year was that insurance cover is excluded if one is driving in breach of drink or drug driving laws, so any third party claim is against the Motor Insurers Bureau (which covers losses caused by uninsured drivers), the insured has no claim in respect of their own loss and they can be prosecuted for driving without insurance as well as for the drink/drugged driving offence. They did not elaborate on whether the MIB would seek to recover from the drink/drug driver's personal assets for money they had paid to the third party, but I expect they would have that right. Is that change being made elsewhere? <SNIP>