Not having an MOT, may give you difficulties with your insurance company, should you need to make any sort of claim.I know some one who had a vehicle damaged by vandalism whilst on private property, it was still insured, but the insurance company refused to pay out because he could not produce a valid MOT for the date of the claim. The loss was relatively minor, so the owner did not pursue the case. I wonder how the insurance ombudsman would have ruled on the case?To be safe, it would be advisable to discuss it with your insurance company, to ensure you are still covered for theft and damage.