8. My insurance policy is invalid if I do not have a valid MoT or Tax Disc
This depends on your insurer. Some will state in their terms and conditions that your vehicle will need a valid MoT for cover to be in force, while others might just stipulate that it must be roadworthy.
However, even if your insurer will deal with your claim, the value of your vehicle will be severely diminished if you cannot produce a valid MoT document at the time of a claim