Trouble is its something I seriously don't need I can't get to work tomorrow without my dads car which I have no choice to use uninsured
How far away do you work ?! Pull a sicky, get a lift off a workmate / your dad / a friend / a cab / the bus / walk.
Ignorance or excuses like "I had no option" would probably not even get you off if you were taking someone to hospital that had just lost a leg or two, unfortunately.