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You are covered for the duration of the original certificate unless the vehicle fails on items deemed to make the vehicle immediately dangerous and unroadworthy. The testing station can deem it illegal for the vehicle to be used on the road. If you drove it under those circumstances your insurance would be invalid and you would be committing an offence. You would have to leave the vehicle for repairs or have it towed or recovered to a place for storage or repair.

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Q: If you put your car in for a mot days before the old one runs out and it fails are you still covered by your old mot?
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