Police have got stricter over the past decade about driving vehicles with the correct documentation. Driving without a valid license, insurance policy or MOT can carry hefty fines and points on your license which may in fact lead to a driving ban.
It is illegal to drive a car in the UK without a valid MOT certificate unless you are driving to an MOT test station or to have repairs carried out for an MOT (you will need to have proof of this such as a booking for the work to be done at the garage you are driving too). Details regarding insurance, driving licenses and MOT’s are all held on an insurance database. The DVLA do checks every month to see if a car has a valid MOT certificate and any that don’t are instantly sent to the ANPR of the police vehicles. If your car registration number is picked up by an ANPR camera then you will be stopped by the police to see why you are driving without an MOT.
All vehicles that are over three years old need to pass an MOT every year. If you drive a vehicle without an MOT but it is insured you may find that you invalidate your insurance, meaning if you needed to make a claim they may not pay out.