My naughty mot story:
I Inherited an old car. Needing MOT, tax, insurance. Didn't bother with insurance at time as I reasoned if it failed mot then likely wasn't worth the cost to get it up and running and would be scrapping. My local garage is less than 3/4 mile from my house so I figured sod it I'll just take it.
A few hours later I get a phone call to say not only has it not passed but the handbrake had failed while parked up and it had rolled into a customers land rover
I told him I will pay whatever it would cost to get it sorted, shitting myself at thought of owner wanting to go through insurance. Thankfully the bodywork guy got it sorted and miraculously I wasn't charged, I think it was more scuffed paintwork than real damage.
So the moral of the story is always keep your dodgy uninsured vehicle in gear when parked