My policy auto-renewed in January at a very difficult personal time (I've name-changed as I've posted about it on here). Someone drove into me tonight and I've checked the policy documents which were sent out and realised that they have my Father down as the owner of the car (he was for a previous one) and, more importantly, that some speeding points I got for the first time in the Autumn aren't on it. Am I totally screwed? Can I inform them now and still be covered?