This is what 1st Central say in their policies, which you are deemed to have accepted when you took it out:
“10.13 Drink and drugs
If, following an accident, you or anyone named in the Certificate of Motor Insurance is convicted of driving whilst under the influence of alcohol or drugs, or has a blood or urine alcohol content in excess of the legal limit, or refuses to supply a breath, blood or urine sample when required to do so, the insurer’s liability will be limited to the cover required under the Road Traffic Act and the insurer reserves the right to recover that amount from you.”
https://l-fci-cms.1stcentralinsuran...ding/motor-insurance-policy-wording-pd4-1.pdf
So they will probably not pay for your car, they will pay for the other damage and any injuries but will seek to recover those costs from you.