oh dear. Similarish thing happened to a friend of mine. We bought a car as a group project, it was in my housemates name as we were going to sell it to him. Anyway, my housemate was out drinking and we were at home. My other mate (who bought it joint, but whose name it wasnt in) took it for a drive with another mate around the block - he thought he was insured because he had another car. He was involved in a head-on crash (other car was on the wrong side of the road) and the police came. They said, well seeing as youre not insured and the car has no tax but did have MOT (off the road registered, but police ignored this as it was being prepared for the road before taxing, they said it was ok because it was so close to the house), you can either: a) say your friend said you are insured on it and hell get stiffed, or b) the owner could say hed TWOCd it and my mate would be screwed. The cops were encouraging my mate to think about number 1 and get my other mate (who wasnt there) screwed! needless to say, we wouldnt let him and he had to go to the police station and show his documents that he thought he was insured. His insurance was for a polo with a similar number plate F883 and the metro was E883 or something like that, so the police person behind the counter must have not looked hard enough and he got away with it. I think thats how the story went. Anyway, the other car was in the wrong (being on the wrong side of the road) and he had to pay out of his insurance. But my friend was very close to a 6 points and re-do test etc.