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A good experienced driver/owner will detect most safety issues/ problems with a car, and know they need to have it looked at/ investigated, I can understand a new young driver/ owner not knowing, but even then, such as tyre wear, knocking, grinding sounds is within the scope of all to detect a problem. I know there is not to many around that only do M.O.T testing as a business, but I have one near me, his charge at the moment is £40, and for that you get the truth about your cars condition. If there is something wrong, he will fail it, if there's nothing wrong he will pass it, its as simple as that. If he does find a problem, lets say a near side front wheel bearing, you can then get a quote just to have that done, and nothing else, take it back and you get a pass, end of. Take it to a garage were the M.O.T is £28 and nine times out of ten you will get stung for work that's not needed. unless you know, and have trust in a guy you have been using for a number of years.