Across the country I am confident that there are large numbers of cars not only parked but being driven on the road without MOT.Not recommending this of course.Many of these cars will be taxed and insured.
The tax system includes a visual or automated check that a vehicle has current MOT at the time of taxing, but of course your MOT could expire the week after you tax it (that's why vehicles that have a zero rate of 'road tax' still have to go through the annual tax renewal process - and used to get a 'tax disc') - I don't think I've ever had to provide an MOT certificate to insurers, but don't know if they can check via DVSA.
The insurance companies involved obviously will be aware of this but they do nothing.what then happens in the event of an accident I myself am not clear on but I guess if in fact your vehicle is in sace condition a claim would still be possible?
Firstly, you would be in trouble with the police if an accident involving a vehicle with expired MOT came to light. Fairly sure it's a points on the licence thing. There may be a defence if it's a fleet vehicle, bus drivers aren't expected to check the MOT status of every bus they drive in the course of their work, for example.
I don't think insurers can side-step a third party death / personal injury claim because of MOT being invalid, but they would probably reject any 'own damage' claim. I'm not sure about a third party property damage claim. I'm a bit out of touch with this.
They would also probably cancel your insurance after the claim, and getting new insurance would be more difficult / expensive.
Incidentally i was amazed to discover that cars over forty years old do not need to pass an MOT test.No doubt this is because they never were safe to drive by modern standards?
The position for older vehicles and MOT tests (you can still get a voluntary MOT test on a 40+ vehicle) is that they have to meet the standards that were in place when they were built, so (for example) cars built before X date don't have to have rear seat belts, vehicles built before Y date don't have to have front seat belts, and they don't have to meet current standards for things like fog lights or flashing direction indicators ('semaphore arms' are acceptable for certain ages, none at all is acceptable for another age.)
The official theory behind the historic exemption was that vehicles that age only do limited mileage, and are owned by people who care about the vehicles and won't want them to get in to a state.
An alternative explanation was it was an attempt to get the vote of a small number of classic car owning gammons who might tend towards UKIP or whatever it was called that week.
Personally, I think it was an unwise bit of law, especially when vintage buses / lorries are included. Very few vehicle owners have got the facilities to do proper brake tests, for example. Having said that, an increasing number of MOT testers don't understand elderly vehicles or know what standards apply to vehicles of what age.
You can of course be done for driving an 'unroadworthy' vehicle on the road at any time, even if it's got a current MOT or is exempt.