Please tell me this is a wind up.
In the UK insurance and MOT is mandatory, not an option.
You will get banned from driving and a fine.
No insurance - 6 or 8 points, and a fine up to �5000.
No Mot - fine up to �1000
Speeding - between 3 and 6 points, a fine up to �1000 and disqualification if more than 30mph over the limit.
As you passed your test less than 2 years ago you will revert to learner status when the disqualification ends.
You will have to take the theory test, the practical test and display L plates and be accompanied until you do.
You either have a very strange sense of humour if this is a wnd up, or you are incredibly stupid.