MOT doesn't mean your cars in good working order, its a basic safety check, whereas a service is maintenance check, but still you can't ever check your clutch until it goes, because its a big job! Its just one of those things you you don't worry about, until it goes wrong! You'd be able to tell if the clutch cable has snapped, its pretty obvious, on top of the gear box you can clearly see the clutch cable, just grab it and feel for any slack! If the clutch itself is worn then probably looking at around £300!
Take it to a local garage, ask around see what trustworthy, small garages there are, if you brough your car into my garage we'd have a look at it for free, it would take 30seconds to see if the clutch has gone! Just stay away from main detailer!