Employer has no Valid Mot, thus no insurance, but ....

[rachysda]

I have to produce my documents to the police after I was involved in a collision. No charges are against me, however I've just discovered that although my employer has an insurance certificate, there is no current MOT, therefore, I was not insured. A previous similar query had been answered by Flip Flop http://www.theanswerbank.co.uk/Motoring/Road-r ules/Question413152.html
and this seems to be the position I'm in, does anyone know if this still a valid defense?

[SeaJayPea]

I think that you may be mistaken in your conclusion that No MOT - No insurance. There are people on here who will know better than me, but I'm sure that insurers have to cover you, even in these circumstances, although maybe only minimum third party cover.

Good luck

[ChuckFickens]

Quite correct, no MOT does not mean no insurance.

Though as the driver you are still liable for the no MOT, the onus is for you to check everything is on order before you drive the vehicle.