[Russ]

On the radio show each sunday we have a solicitor who comes on to answer people's legal questions - he was asked this very question last month and said if a company agrees to insure you and you hold a valid certificate, they are obliged to cover you. The only difference is to what extent - the legal minimum level of cover is called RTA (not third party fire and theft, contrary to popular belief, however you can no longer buy RTA cover) and this is the maximum level they will likely cover you for if you make a claim without tax and/or an MOT.