Insurance refuse to pay 3rd party losses

[Mecho]

The initial message was deleted from this topic on 20 May 2021 at 22:39

[Mecho]

I had but I’ve been told that my insurance was void at this time but they haven’t cancelled it at all and kept paying them until the last day of my insurance expiring.

[Mecho]

normalbloke said:

Reading between the lines. You had insurance to drive the vehicle, but you were not insured to commute. You had an accident and weren’t insured for that commute, even though you were not at fault.

Yes i was fully insured comprehensive but not for commuting to work or work to home, so when I reported the accident my English wasn’t so good at the time , either now, I told them i was going to work, but basically i am traveling to my friend and from there we walk or go with his car to the workplace.
So while speaking with the insurance I have been told that they will cover the 3rd party but not my car as i was commuting.
I have checked on google what does non fault means and it come up totally opposite so the other party is at fault then? I am so confused and my anxiety through the roof!