Sorry to hear of your problems, you obviously wouldnt knowingly drive without insurance especially all the love and care youve put into the car.
Just had a look at this:-
http://www.drivingban.co.uk/drivingb...tinsurance.htm
Think you can only take the fixed penalty or go to court and plead your case.
Best of luck with it.
As you say ?200 plus 6 points as a fixed penalty