You could just as easily say any driver in an accident caused by his lack of due care should have his insurance declared void. The point of insurance is to cover the driver when he's in the the wrong. The insurance company would have a better chance of getting out of paying if nobody is at fault - so-called act of god. Eg a tree branch falling into the road.I have a suggestion (requires a change in the law) - driving in such a lane makes your insurance invalid, so as well as getting done for ignoring the lane closed sign, drivers are then driving without insurance, which AIUI is an absolute offence, so as well as the penalty for that, people would be faced with the delightful consequences of answering "Yes" to "Have you ever been convicted of driving without insurance?" when they renew
