And as much as your insurance co say you’re still insured, I wouldn’t like to test that in court.
There is a clause at the very end of our insurance doc saying something like “failure to tax / mot the vehicle does not invalidate our obligation to provide 3rd party insurance”. I believe all ins cos have to do this.
So, as I understand it,
I’m not committing the “no insurance” crime if I drive without tax / MOT
But…
I might be civilly liable for any losses I cause the ins co. should a claim arise in that time if it might reasonably be attributed to me for driving an untaxed/unmot’d vehicle
As you say – bit of a ball-ache to test that in court though. Insurance companies have usually got expensive lawyers…