So normally you're issued a fixed penalty notice if caught for minor offences, having no insurance is quite serious and can carry heavy penalties/fines. The prosecutor can decide to take you to court, it's entirely up to them. In England/Wales it is normally the DVLA who prosecute for such offences as no insurance, not registering the vehicle etc. *unless you are actually caught driving by the police. You'd be sent a notice of impending prosecution and normally asked to enter a plea - guilty or not guilty.
Failure to give info to the police carries more weight. The case will go to court and be judged in your absence. That is normally when points/a fine is issued. If the court feels the offence is more serious, it can be adjourned and then you will get a summons to appear in court. Failure to do so can result in a warrant for your arrest and you would be sent letters informing you of what had taken place in your absence.
P.S I haven't watched big Vag Vav stories to see what she's on about, but some of the comments on here don't seem to ring true
![Thinking face :thinking: 🤔](https://cdn.jsdelivr.net/gh/joypixels/emoji-assets@5.0/png/64/1f914.png)
unless of course things are done differently in Scotland