Never heard of not being insured pre: birth - but perhaps a quick phone call to your insurer would clarify? I kept driving till the day baby was born at 41 wks.

Afterwards, i've heard some insurers vary in their policy. But the main thing post birth and definately post c-section is not really insurance but your physical state if you had to break suddenly or had a jolt. C-section - you've just had MAJOR surgery and your body is in recovery mode so not a good idea to risk hurting yourself further.

Good luck with your birth!