KevofCov wrote:Hi Mike
Insurance is an agreement between you and the underwriters. You agree to maintain many things including a current MOT cert - they agree to cover you against claims by others. Having a valid MOT cert (a roadworthy vehicle) is a cornerstone of this arrangement....
Check you insurance schedule, many don't even mention the mot. What it will mention (and what confuses people) is that the vehicle must be roadworthy, the presence of an mot doesn't mean that a vehicle is roadworthy. If your mot has expired and you have an accident, your insurance will cover the 3rd party risk (not as Chris said), they have no option.
As Stumble explained to you already, unless you had a major point of failure, you can still drive the vehicle until the mot expires.