You are right about no mot = no insurance, it is an old wives tale same as no tax = no insurance.Originally Posted by Razorjack
Every insurance policy I've seen states that the car must be in a roadworthy condition for the insurance to be valid. Having an MOT doesn't guarantee the car is roadworthy and not having an MOT doesn't mean the car is unroadworthy
Most insurers will drop cover from fully comp down to third party in the event of a claim where an MOT is invalid.
Insurers have a duty under the Road Traffic Act to provide third party cover for an insured driver regardless of the offence that driver may be committing.
HIC told me that even when SORN and laid up my cover drops to third party when the MOT expires.