Feel your pain Mark!
Had a week off last September which had a car crash at the beginning (the other car, a Mini, ended up on it's roof) and a smash in the wife's car at the end in which she was sitting in it , engine off but seat belt on thankfully when she gets hit at about 30mph by someone who "didn't see her". She refuses to drive now she was that shaken up!!
Hope the insurance/MOT issue is resolved OK