MOT has nothing to do with road worthiness of bike/car. You can pass MOT and the bike still may be not roadworthy. For example front sprocket. You pass MOT, but the front sprocket is in sorry state never serviced say for 100 000 miles. Your chain brakes because of that. You kill many kittens. The technical expertise finds that out. You are responsible that during the crash the bike was not roadworthy, because of lack of routine maintainance and regular servicing. Your bike was not road worthy during the crash. Your insurance is invalid too. The fact you have MOT means nothing for roadworthiness. And vice versa. You may fail MOT but the bike can be roadworthy if you fix the failed part 5 minutes later. For example broken headlights relay. You do the MOT 1 month in advance. You fail. You go home and change the relay. The bike is roadworthy. And you still have valid old MOT certificate to ride for 1 month. The law requires: 1. To have valid MOT - you have valid old MOT. 2. To be roadworthy - this always depends and its responsibility of the rider/driver. Hope its clear now It is. Thank you.