| You would need to get this confirmed by your insurance company but in most cases insurance companies do not refuse to meet thier third party liability if the vehicles mot has expired, the obvious exception is if an accident was caused by a mechanical defect that would have been apparent during an mot and the rider/driver can be proven to have been aware of the defect and still used the vehicle (a very difficult point to prove).
I operate a car mot testing station and one of the insane apects of mots is that the in the event of the police taking an offence of not having a mot to court (not very likely) the fines are less than the cost of a mot.
You can help by getting a valid mot at the earliest opportunity and presenting it to the police or in court to demonstrate that the vehicle was roadworthy at that date and apologise saying you did not get a reminder and had not realised it had expired
dave |