Who cares if he’s insured or notSorry that’s not correct. I was told that by both the garage and my insurance (AA) last year when I had mot problems. This is one of the first things that showed when I googled it. (A different insurer).
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Those who say that an insurance policy is void if MOT is expired are WRONG and talking the usual pub lore bollix.
If there is a claim by a third party, the insurer will have to honor the claim regardless of MOT status.
The lack of MOT may cause problems for the policy holder tough if they claim.