Wrong.By the LAW the the insurer does not have a get out of jail free card just because you don't have a WoF or current vehicle licence (rego).
Insurance Law Reform Act, 1977, Section 11
[.] the insured shall not be disentitled to be indemnified by the insurer by reason only of such provisions of the contract of insurance if the insured proves on the balance of probability that the loss in respect of which the insured seeks to be indemnified was not caused or contributed to by the happening of such events or the existence of such circumstances.
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