Motorcycle and Scooter appreciation

Without wanting to get on a high horse about this, if you'd crashed into me on your commute, or knocked on of my kids over and injured them, who would I be looking to pay out for the damage or the medical bills? I wouldn't want to be waiting ages while your insurer and solicitor argued about it. I know it seems harsh and unfair that you're being prosecuted, but you're not really the victim if you rode to work knowing you didn't have commuting on your policy.

Per the link that Eighball posted, the Consumer Insurance Act 2012, s.145, negates contractual restrictions - "any provision purporting to avoid the third party liability based on events after the accident giving rise to the claim are ineffective."

The insurers would be paying for the damage and medical bills.