From what you say you do not have a viable defence. You can try contacting your insurers to see if they would provide cover in those circumstances, though I doubt they would.
If you are convicted in court the court must impose a minimum of six points, which will see you liable to a ban under “totting up". They do have the option to impose a short ban instead of points but they’re very unlikely to do so.
You will have the opportunity to make an “Exceptional Hardship” argument so as to avoid a ban. You will have to convince the court that you or others will suffer hardship that is over and above that which any driver would normally suffer if he was banned.
Here is the guidance the court uses when considering such an argument:
When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following:
It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn.
Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence.
Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive.
If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account.
Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable.
Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others.
So what “exceptional hardship” will you or others suffer?
