The first thing to do is to tell them.

No MoT does not invalidate your insurance and in any event this is a non-fault claim on your part against the third party.

The main effect of no MOT on a write-off is to lower the settlement value of your car as a car without an MoT is not worth as much as a car which has one.

You may find that the other side try and significantly reduce the value on these grounds. If that is the case you probably need additional legal assistance from us and the support of our loss adjusters.

Have you been given a replacement vehicle? Were there any injuries or other losses to you or your passengers as these would also be recoverable.