My question is, why do you need any of that? All the MIBI agreement exclusion seems to need is that there isn't any valid policy covering the use of the vehicle that the injured party was in etc. (I can't access the exact text at the moment). From my reading of the MIBI, any issue of liability or fault, isn't required. Perhaps I'm wrong, and maybe someone who has read it and understands it could clarify. On a side issue I wonder how the exclusion effects passengers injured in uninsured vehicles. It would seem to exclude them also. I'd have to re-read it.
Its an interesting topic. I've seen a few thread about similar issues where people drive other peoples car assuming they are covered either by their own policy or that of the car owners. But subsequently it transpires that they are not covered. I know I have had policy's in the past that did not have 3rd party cover for driving other vehicles even though I would expect it as standard these days.
