driving while banned

[Man in the middle]

I think you are on a very sticky wicket here.

If your (supposed) insurers get wind of your accident they will certainly inquire into your driving status, establish you were disqualified and void the policy retrospectively.

 

You don't say whether you were banned when you started (or renewed) the policy or whether you received your ban during its duration.

It makes no difference to you as far as driving whilst disqualified and with no insurance goes, but it may make a difference to the Third Party in the way his claim is met.

 

It's a bit involved and need not concern you particularly.

Your idea that he should claim on his own insurance is not going to help.

 

Although he may do that, his insurers will make inquiries of yours (to recover their outlay or implement any agreement they have between them) and you are back to square one.

 

I believe your only hope is to offer to meet the claim in some way, but I imagine the Third Party will already have reported the accident to his insurers (as he is bound to do under the terms of his policy) and it may already be too late.