Hi Rob,Whilst I’m unaware of the specifics with regards to Hastings, I can say that the overwhelming majority of insurers I’ve gotten quotes from have had a drink/drugs exclusion clause somewhere in their T&C’s which states that they must pay out to satisfy any 3rd party claim/Court Judgement in the first instance however will look to recover the costs paid out at a later date from you (or words to that effect.)
I’d advise going over your policy documents in extensive detail, particularly any section which references claims or exclusions. If you’re unable to find anything relating to a drink/drugs exclusion then it could be that Hastings do not have one as these companies do exist (Privilege Insurance being one as far as I’m aware).
Additionally, if you haven’t yet received any correspondence from Hastings suggesting that they’re going to seek to recover costs from you and you haven’t received a consent and indemnity form from them then your best course of action may be to sit tight.
Has the 3rd party claim since been settled or is the incident fairly recent? If recent then you may be waiting a while as these companies do tend to drag their heels somewhat (atleast that’s been my experience with admiral/their subsidiaries).
Thanks for the response. It says in one of the documents I have found that no cover is provided if you are found to be over the prescribed alcohol limit but doesn’t specify whether that’s just for me or TP? The accident happened in September whilst I was still insured but received a letter yesterday from assumably the TPs solicitors saying they have been unable to find my insurance details and are requesting 17,500 in damages which I clearly can’t afford. I have forwarded this correspondence to my insurance but I guess my question is, if they resolve it under the road traffic act will they come to me to reclaim the amount?