‘Fraid you’re incorrect, moonraker:
http://www.theanswerb.../Question1043848.html
Why you are incorrect is amply demonstrated by this question. You certainly cannot drive without insurance under any circumstances. But you CAN drive without an MoT (as long as you have a pre-arranged appointment). There are circumstances when vehicles do not have a valid MoT when one is required (for example, if it has been off the road for a while). If your contention that lack of MoT invalidates insurance this would have the following effects:
1. The provision in the law to drive to a pre-arranged appointment without a valid MoT being in force would not be necessary. Nobody could drive in such circumstances as they would be uninsured.
2. Owners of vehicles where the MoT has expired would never be able to get them MoT’d as they would automatically be uninsured.