That’s not the only problem you need to think about. If you knowingly drive a car that’s unsafe, and have an accident – not only do you need to worry about your insurance, but your license too.
Section 40a of the Road Traffic Act says:
These regulations affect both private vehicle users and companies.
A person is guilty of an offence if he uses, causes or permits another person to use a motor vehicle or trailer on a road when:
the condition of the motor vehicle or trailer, or of its accessories or equipment, or
the purpose for which it is used, or
the number of passengers carried by it, or the manner in which they are carried, or
the weight, position or distribution of its load, or the manner in which it is secured, is such that the use of the motor vehicle or trailer involves a danger of injury to any person.
In the eyes of the law, you are responsible to make sure your car is roadworthy.
In regards to insurance, here it says this:
What doesn’t comprehensive car insurance cover?
Comprehensive car insurance protects you against a lot of risks, including accidental damage to your own car and any harm you cause to third parties or their property, plus fire, weather damage, vandalism and theft.It won’t cover you for general wear and tear (the cost of replacing worn brake discs, say), a punctured tyre after driving over a nail, or (in most cases) putting the wrong fuel in the tank. It also won’t cover any claims that are linked to certain general exclusions. Among others, these include driving a car that isn’t roadworthy, so keeping on top of that wear and tear maintenance is crucial. As standard, you also usually won’t be covered if you use your car for work purposes other than commuting.
I’m not 100% sure why you’re even going through that ordeal, your car is a lemon, you should’ve rejected it immediately and demanded a replacement or took another car. I understand that financially that might not be that great an option, but in the end you’re asking us here whether or not you’re covered to drive a clearly unroadworthy van. It doesn’t matter whether or not you’re covered (and you’re clearly not), just ask yourself if putting yourself and even worse, innocent others in danger is the correct thing to do.
I can empathise with it being a really shtty situation for you, but i do not understand why you’re asking for advice, particularly for the insurance. It doesn’t matter whether or not you’re covered (and you’re not) – you shouldn’t put yourself and others in danger by driving a pile of crap that you know isn’t safe.
Prior: SEAT Ateca Xcellence Lux 1.5 TSI DSG MY19, VW Golf GTE PHEV DSG MY23
Current: Hyundai Ioniq 6 Ultimate
Next: we'll see what's available in 2028.