For goodness sake check the small print and don't allow your husband to do these things without double checking!!!!
I apologise for being unclear but am a little bit worried and need advice.
My husband had an accident on the way to work last week. He hit a van which broken down on the road in the dark. Because he hit the stationary vehicle he is 'at fault'. He started an insurance claim, but whilst looking at the documents has realised he is only insured for leisure and domestic use. Eg he will not get any insurance. He is in effect uninsured for this accident although he does have insurance and the police who were present at the accident checked this.
So, is he classed as being illegal and as an uninsured driver. He was not trying to get a good deal and be fraudulent...he genuinely bought the wrong policy? We no he will not get any insurance and will be liable for the damage (write off) to the van and his car alongside the other driver's courtesy car. What else will he be liable for? Do you know whether he will have to pay the fee for the assessor who values the car even though he will be telling the insurers on Monday that he will no longer be pursuing a claim?
Please help. Never been in this situation and want to resolve it as quickly and as cost effectively as poss and move on.