Either way you should be alright as if it was stolen their insurance will pay out
Er I doubt it.... what you are saying is if someone nicks my car, and runs down a que of people at a bus stop they can claim off my insurance?? Er No... How about if the car is sitting on the drive uninsured, what then?? they sue me direct?? Wont happen
BUT there is a "pot" of money we all pay into when we get our insurance to cover uninsured drivers, it takes a while but you can often get money back