When is an insurance policy considered illegal and void?

An insurance policy is considered illegal and void when it includes health and safety fines. This is because insurance policies that cover illegal activities or fines imposed for violations of the law are against public policy. The legal principle behind this is that you cannot insure against liability that arises from illegal acts or that would allow a party to profit from their wrongdoing.

In the context of insurance, if a policy provides coverage for fines related to health and safety violations, it could encourage behavior that violates legal regulations, undermining the enforcement of laws designed to protect public welfare. Therefore, such policies are deemed unenforceable and void.

The other options describe legitimate types of coverage—accidental deaths, comprehensive vehicle policies, and property damage, which do not involve illegal activities or any violations of public policy. Thus, they would be considered valid forms of insurance rather than illegal and void.