Only if they can. To extrapolate your mistaken MIBI theory and underlining mistaken in bold capitals he would be charged with driving without insurance and, if convicted - with a 1/4 decent brief he wouldn't be which is why he wouldn't be charged which is partly why AXA wouldn't invalidate his policy i.e. his not being convicted would totally reverse any such determination -, would be banned from driving. If he was banned there would be no next quote to load.