Hello Larry
Yes you can insure a vehicle without it being MOT'ed.
Our FH70 Howitzer is insured Fully Comp with Footman James. We weren't going to as when it's being towed on the road it would almost certainly be covered on the Militants policy. But it was while moving it at a show under it's own power where we were worried. What would happen if we squashed a member of the public or bumped someones car*.
It's insured under it's frame/chassis number as it couldn't be registered as a vehicle in it's own right.
Regards
Richard
*True Story. Someone at the place we got the FH70 from was telling us about a member of staff who "Knew how to drive one of them guns".
He jumped into the seat, went tearing up the road, spun it round in front of the workshop and went over the top of someone prized classic car, removing the roof in process!! He left the firm shortly afterwards :wink: