"To confirm, if a motorcycle is taken for MOT (whether Exempt or not) which it then subsequently fails, the tester would state whether the bike is fit to ride or not. If the motorcycle is deemed ok to ride away for further work to be done the insurance on the bike would continue to be valid and in place as long as reasonable precautions are considered and put in place by the rider. An example of this would be headlight failure - if the MOT failed on this it would be expected that the bike was ridden back in daylight and not in the dark…If the tester notes that the vehicle should not be used it must be transported away by trailer or van etc.
If a non-Exempt motorcycle is taken for MOT say 2 months before the due MOT and is notified to have failed but o.k. to ride, the insurance would also continue to be valid and in place. It should be noted however that the insurance provided is based on the rider / owner taking all reasonable steps to protect your motorcycle from loss or damage and to maintain it in an efficient and roadworthy condition. A MOT failure tells you that your vehicle has not been shown to meet the minimum legal requirements for the reason(s) detailed. If you intend to use your motorcycle on the roads you should have it repaired without delay and have it retested before the existing validity expires".