Ok some utter bollocks has been posted once again

There is varying level of prosecution and as said there is a maximum fine of £1000 and no insurance as well. For a fine of whats classed as the usual £30 and court costs, this is usually for an mot that is out of date by only a short time.

However a car out of date say 18 months will likely receive a higher fine and may also get done for no insurance if there policy states on the certificate "insurance void in the event of no valid Mot" Also attitude comes into the levi of fine ie.. someone who appologises to the court will receive a more lenient fine.

Oranaco case is actually a very common thing these days and they do not have to pay out the other person if a fault accident as the contract between yourself and the insurance company may state this in the small print, im sure the greenlight guy on here will confirm this. I would suggest some people actually read there insurance documents.

Thrush I would suggest you book an mot for sometime in january and then reschedule it, it will look better if you are stopped as you are seen to be doing something about it. Ignorance is no defense unfortunately.