Originally Posted by focusv8

With no MOT you would still insured for a third party claim, which is the minimum required by law, even if your policy says the car must be road legal.
Your insurance Co. may choose not to pay out on damage to your vehicle but will always pay out to others, whether you have no Mot, no licence, are drunk, drugged or whatever.

Your car will always show as insured on the MIB Database Mot or no Mot as long as you have paid the insurance co.

.