How can I help with this please?
Unless were insured to drive this car you should really be pleading guilty.
There is no defence in saying that this was a mistake. There is mitigation on that basis and you should argue that special reasons apply not to endorse your licence with points but that is a separate issue.
No insurance is an offence of strict liability. You either were insured or you were not. If you were not then you are guilty.
Most road traffic offences are of strict liability.
You should always ask them to review the public interest of this prosecution. The reality is that it might come to nothing but you could ask.
I do not think you can really raise special reasons because, come what may, the fault was yours. Special reasons is really designed for people who had no way of knowing they were not insured - eg. the insurance company cancel without telling them.
Can I clarify anything for you?
Are they not offering the fixed penalty of 6 points and £200?
Ok. That is a summons.
You can plead by post and set out your mitigation.
Whether it is better to attend is always a difficult question.
I think it is really a matter of whether you have time to attend court. Pleading by post is perfectly fine. You can still mitigate.
I certainly wouldn't attend but that is because I have other things to do.
I think generally speaking it is easier to mitigate in person although, of course, there is usually a risk of saying too much but I don't think that is really very likely here.