I had an old Rover nicked one night, some years ago. MOT had ran out on it a few months previous. I'll be honest, I was winging it till I traded it in. Insurance paid out ok. I can remember phoning the insurance company, first thing I told them was that it had no MOT, but the chap said it didn't matter. That was Direct Line. Cheque came through a few weeks later.
mot not required for insurance.. otherwise the 3 bikes in the garage that no longer need mots as they were pre 1950's would be scuppered for ever..
frankly bonkers that old stuff doesnt need an mot any more, i just bought a 1951 rolling wreck that if i could get it running i can legally ride on the road its insured.. doesnt need an mot and the tax is a freebie.. and thats another thing in todays climate why do i being lucky enough to have a number of mans toys not have to pay tax or even an admin fee just because thier old..
Whether your insurance is valid with or without MOT depends on your policy. It says in the small print on your documents or you can ring your insurer. It varies depending on reputation of provider and cost.
