insurance would be on a sticky wicket to refuse to pay out on a claim on a pre 60 bike due to no mot, what would be their excuse, if you comply with the law, unless their terms specifically stated that you needed one, how could they refuse. and lets not forget, a pre 60 vehicle on 2 or 54 wheels isnt going to be worthless even if its in a pile of boxes in bits, they arent likely to say, its worthless without an mot. heres my take on it all. i suspect that stricter mot regs are in the pipeline, and the dvla are clearing all the old stuff off their system to make it easier.