@RussellMenear The insurance company may not pay out for the keeper, but would still cover third parties, which they may try and recover from driver. So the vehicle is still covered. Post navigation The driver of this van was ‘bored’ in traffic in Guildford so used his phone whilst driving. He was so distracted he failed to notice the #VanguardRST cycle pass him in one direction and circle back to catch him back up. 6 points & £200 fine issued. #Fatal5 – distracted driving @Peter_Mugridge @MichaelJRoots @Hammerman99 @Jake_Shakey And here it is…..