I used to have insurance with the 'National Auto Club' and the contract specified that the car had to be in warrentable condition. Not that it had a WOF or rego, but that it was in a warrentable condition.
Unless having no registration caused the accident, they cannot refuse you cover.
Some people might say 'you have no registration, therfore you shouldn't be on the road, so you should not be given cover. However you also shouldn't be crashing. They still give you cover.
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