I'm with Tabetha although I too was under the impression the other car being driven must have insurance on it for you to be able to drive it TP under your own policy.

No insurance doesn't usually result in a slight tap on the wrist (unless your a junky thief who drove the wrong way down a motorway in somebody elses car while out of your face ). I would hazzard a guess at 6 points and really good bollocking from the court.

Ignorance is no defence when it comes to legal matters