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Hi Nick - if you read the insurance pilocy closely it will say something like this - the policy holder and any listed drivers are expected to comply with the Road Traffic Act (and any relevant regulations thereunder) of whichever country the vehicle is being driven in. As far as I know it is a legal requirement under this legislation for the vehicle to have a current MOT certificate when in use. If you drive a vehicle without meeting the standards of the legislation you are therefore in breach of your insurance contract and effectively the contract is null and void.
Currently in madnoel10's garage:
Honda Civic 1.4l