Risk – Driving with expired Tüv ?

Hello, my car no longer makes the Tüv (or it is no longer worth it). The badge has expired last month. I would like to continue driving the car until about the end of the year and look for a successor in peace. According to the fine catalog, obviously not much can happen to me. It will only be really expensive from 8 months (+ points). What about the insurance in case of a case ? Thank you for your answers. (PS: the car is not a moving pile of junk, by the way, I I’m not tired of life, but because of the age 15, it’s just not worth anything anymore and it rusts strongly)