Insurers can't walk away on the basis of an out of date MOT unless they can prove the reason the vehicle was in a crash was due to a fault that would have been picked up by the MOT. Even then, they still have to pay out, it's just a lower payout.
an MOT is only good for the moment it was done .... can fail a day later ....
onus is on the owner to maintain the vehicle in a roadworthy condition continuously .....
an insurer will only cover a vehicle which is
legally entitled to be in use on the road ....
check you are entitled to tow ... without it you will not be insured ... etc. ....
commuting to/from a place of work is not always covered ... check the small print ....
"social, domestic and pleasure" is a huge restriction on insurance cover ......
check how many occupants you are insured for .. not all co.s cover 5 people in a vehicle

they are insurers ... they will wriggle at the slightest opportunity