Driving a car with no mot

[Grant]

Use, cause or permit a vehicle to be used on a road without a test certificate is an offence under Section 47, RTA 1988.
Penalty: Fine of up to £2,500 (if the vehicle has 8 or more seats), £1,000 (otherwise). No disqualification, endorsement or points can be awarded.

Re no MOT invalidating Insurance; Because of section 148 RTA 1988
as to condition of the vehicle, Insurance Companies cannot invalidate a certificate issued as far as making it a criminal offence i.e. to use without Insurance (S145). This does not not however prevent them from taking action to recover certain costs under the civil court.