What would you do if you lost your license?

[Lawrence]

I agree with you completely, but the two cases are different.  You were wrongly accused of something and not only could the prosecution not prove that you'd done it (driven with no insurance) but you had proof that you were covered.  As with the MOT though, you pleaded guilty by post presumably as it was the easiest/cheapest/quickest way of doing it.  Had you turned up in court for that you would've had the same result but costs on top.

My point being that if you have done something then it's probably cheaper, quicker and easier to take the fixed penalty rather than fight it and get done for it anyway.
Bit of a result ending up £20 in pocket though  :lol