Insurance... Just need to vent

[Cormanus]

Thanks, Gone. That makes good sense, but it doesn’t answer my question about whether the policy contains an exclusion so the insurer is not liable if the vehicle is being operated illegally—for example, by an unlicensed driver or one over the blood-alcohol limit. Another example: would the insurer accept liability (or have to accept it) if your car was stolen or borrowed without your consent?

I might check my own vehicle policy and see what it says.

Update: my policy follows my bike, but there would be no coverage if the bike were operated, with my consent, by someone who did not have the requisite license.