Thankyou, any further info you can provide would be very useful.

Like most people I am no bothered at the thought of losing the value of my car, but am keen to avoid the seemingly endless possibilities for a 3rd party claim.

I am of the belief that UK insurers are obligated in law to provide this proof and ive never seen any evidence to the contary, all examples of any exclusions being tested that I have heard of have been deemed illegal by UK courts with reference to 3rd party claims and only upheld for the fully comp element of any claims.