hmmmm
well i rang up JustCar and asked those exact same questions..
i asked them if i was still insured if i crashed the car while intoxicated, racing, driving the probhibited vehicle etc...
they said im still insured no matter what because its the car thats insured...
I was suprised but thats what they said!
also asked what if one of my mates was driving it and he crashed, but not listed on the additional drivers..
said i was still covered cause it would have been a one off thing..