[ainarssems]

From the insurers point of view they're covering themselves if the car does go back on the road as it'll require a vic inspection to confirm its road legal

VIC test is only vehicle identity check which basically checks that it is the same car not a stolen car being registered as write-off. They do not check road-worthiness of car but will flag up any obvious safety issues. You do need to pass MOT before going to VIC. You also need to have insurance if You are driving it to VIC. No need for TAX when driving to pre-booked VIC test. You can deliver it to VIC test on recovery truck in which case no insurance needed, still need MOT and car has to be able to drive under it's own power.