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So, in short, the car was driven by a person uninsured?
You could submit a claim.
Strictly speaking, it was not being driven at the time and so it matters not. It depends what is in the contract of insurance. Unless they have some means of escape they should be liable.
I would have thought the greater risk was being prosecuted for driving without insurance or permitting no insurance though.
Can I clarify anything for you?
The insurance company. A clause written in their contract that allows them to escape liability in these circumstances.
Ultimately the vehicle was not at it's normal place of keepership and it was driven there by a person uninsured.