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@Dammit
It's a classic case of "pay today versus maybe pay tomorrow", if the car costs £1,000 to insure then that's £1,000 you have to find.
If you don't, then you might get caught, you might get a fine, but you might get away with it.
Bin the "tax disc" and issue an insurance disc (as they do on Jersey I believe), then a copper can see at a glance if the car has insurance