During the MoT test the nominated tester, a person authorised by VOSA (Vehicle and Operator Services Agency) will inspect and check the vehicle including the interior, exterior, under the bonnet and under the vehicle. The result of each test is recorded and if your vehicle passes you will be awarded a certificate. If the vehicle fails you will be issued with a notification of failure.
The penalty for not having an up to date MoT certificate could be a fine. Also if the vehicle is involved in an accident you may be asked to produce your MoT certificate. An insurance claim could be affected by the absence of your MoT, especially in the case of injury.