Insured but not covered.

[Paul99]

I understood it that insurance would ALWAYS cover 3rd party but would be eligible to recover their costs from the policy holder under certain conditions (drunk, unroadworthy car etc)

Generally, yes that is the case. There maybe exceptions though, and the 3rd party will still be covered by the MIB.

 

[Smokin Joe]

I understood it that insurance would ALWAYS cover 3rd party but would be eligible to recover their costs from the policy holder under certain conditions (drunk, unroadworthy car etc)

That's what I've always believed, any illegalities or policy breaches on their clients part are insurance company's problem. Jeremy Vine is a mine of misinformation.