read the small print... every policy ive ever seen, even my trade policy states driving with known defects, or a vehicle in unroadworthy condition is not covered.

insurance companies love to not to pay up.

greenlight wouldnt cover the cossie untill it had current mot....

its the same as over tinted windows....they invalidate insurance , as it becomes unroadworthy. i dealt with a case of this not long ago