My fil did this, carried on driving until one day he went the wrong way on a dual carriageway and he and mil were lucky no one was killed and neither of them, his car was written off and he still insisted he was in the right. However, my husband said he had been refused any more insurance, as he used to sort it out for them. He never stopped moaning of the conspiracy against older drivers by insurance companies. But he was off the road, he would never take a taxi and when his wife died we had to drive hundreds of miles to get food etc in every few weeks as he was so stubborn, he outlived my husband by years,,