It's a generally held misconception that not having an MOT or Road Fund Licence, or even having a defective tyre, invalidates car insurance. It does not, however, the insurance company might in some cases, only on pay out third party claims in the event of an accident.
With nearly 200,000 people injured on UK roads every year, with 1,750 deaths, I just don't believe that safety on UK roads is taken seriously. Would society accept four jumbo jets crashing in the UK every year?
Also, have you noticed the 'cash-back' schemes on small inexpensive cars like Saxo's etc? The 'cash-back' is in effect, for teenage drivers to pay for their insurance. Who are the most dangerous drivers? Plus, the lack of dedicated Road Policing Officers makes a substantial difference.
Please don't whinge to me about 'Draconian' speeding fines and penalties for poor driving, I personally would double the sentences and make them mandatory. Locally, someone with a diabolical driving record killed three people driving at 90mph in a 30 mph area well over the limit having taken drink and drugs. He was out of prison in 5 years. For killing three young people.