thats kinda like saying...
junkies arent going to stop taking drugs, so we might as well make them legal and easily accessible.
i dont mean p platers are like junkies btw.. was just the best analogy i could think of
Everyones opinion on this is going to be differant, as is the case with anything i guess.. but the FACTS are your illegaly driving the car, so the insurance company would be 100% correct if they decide to not pay you.