This is exactly why motor insurance policies are date and time stamped . Otherwise why bother to insure your car Wait until you have an accident then apply for insurance , saving you from all those pesky premiums throughout the years that you drive and don't have an accident .
So should this individual be allowed to join . Absolutely !! BUT. there should be no input to the company on his behalf by the AOA relating to this issue either immediately or any time in the future .