I'm no expert so looking at this from an amateurs point of view, do we assume insurance has been renewed in the period between the two crashes?

Did her own insurance have to cough up because she was at fault first time, is this going to be the same scenario, if so the insurance are going to be less understanding than if she was not at fault in the first incident.

They could i suppose decline to cover her own repair costs, if she's at fault they may well honour the third party claims, let us hope that is the worse case.

If she's not at fault then her claim is against the other party's insurer anyway her own insurer only advised as required with no actual claim on her policy, hopefully Andrews suggestion is the more likely outcome.

Lesson to be learned here, declare everything, i do, what happens if i cause a £million accident?

"what happens if i cause a £million accident?"

It would be covered. Damage to your own vehicle wouldn't be, but any third party (including passengers in your vehicle) would.

Yes that part is known but won't the insurer come after me later for their considerable losses due to my failure to declare? something i'd not want to put to the test, could i come up with a million? not immediately but once they're had home and everything else not that far off, i wouldn't be risking it.

Taking such risks is for people who've nothing worth going after which are typically those who don't insure tax or MOT their vehicles anyway.

I know the insurers tended not to fight the cash for crash scammers, but being typically the usual suspects unlikely to have ever done a days honest work there would be little point in suing them, i wish they had done mind.

Risk v. reward. Few would have sympathy with the scrote who deliberately drove without insurance but had few assets against the honest individual who made a genuine error but has deeper pockets.

Sounds like your pockets are reasonably deep GB so I nominate you to test the system. Do I have a seconder? ;)

Trust me for everything we've got we've both worked hard from childhood, played by the rules too to not put ourselves in the frame.

Reckon an ex civil service pensioner would be the better test case, that gold plated pension should see the vultures circling, wonder if anyone here maybe not a millions miles from me would be willing contender...methinks he's got more sense as well as more spare loot to risk.