blue beasty
Leaks an prone to bits dropping off
Irrespective of your point of view... even if there is no "fully comp" cover... I am sure that the insurer is obliged to offer the minimum cover (3rd party only)
However, as we all know.. the insurance industry is a law unto itself!
I think you're right here....it's much more difficult for them to avoid paying out to 3rd parties.
Unroadworthy vehicle for example will effectively turn a fully comp cover into 3rd party only in the event of a claim