Hi, due to the seriousness of non insured can be & payment was controlled by yourself via funds in your account, the bank can only pay what you have agreed, if you where overdrawn etc, your bank should have advised you by letter, in reference to what you have stated even in mitigated circumstances I do not think that will help you even if you take it to court, the advise if I can offer, get a letter from your Insurer stating that your payment for the duration of time you have been with them has been prompt, this MIGHT help you, also a letter from your bank to the same effect, with respect to the police, the where only doing what they are paid to do & in your case the V R I give out the info of non insured of which they car was, regards the Breath test, that is the case nowadays, as regards the Finger swap etc, that is a question that I would want answers to, Eg/ are you from the UK? do you follow the lines I am going?