Lack of MOT does NOT invalidate insurance : you have to have insurance first before you can take car for an MOT test . This has been done to death .While this is welcome any reference to the requirements for fulfilment of insurance policy conditions are notably absent on first perusal. Phrases such as "the legislation will come into immediate effect for 12 months and will be recognised by insurers and the police" are welcome but I would be actively seeking confirmation in writing from your own insurance company come MOT time to avoid any "misunderstanding" if you haven't received any relevant communication from them by then?