Are you asking if they will dishonour it?
Well, they are perfectly entitled to cancel the insurance and dishonour any claim.
So, in short, they could void your insurance.
They will not always do that. It depends on a number of factors. If you have a good record of insurance and have been a loyal customer then probably they would just ask you to pay the difference between the amount you paid and the sum that the insurance would have cost.
They are not always unreasonable.
But your position in relation to the third party doesn't change even if your insurance is voided. It doesn't make you any more or less liable.
Can I clarify anything for you?
Not at this stage. I would have suggested you disclose and apologise but they have found it anyway.
It is just a case of waiting now.
Yes, I think the answer is the second above. Cross posts!
No, you haven't committed a criminal offence.
You weren't driving without insurance.
They are just potentially able to void the claim but no more than that.
All the best.
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