However, it appears that your boyfriend gave you permission to drive his car. Permitting someone to drive a vehicle while uninsured (even if you didn't understand that they weren't) is regarded as just as serious offence as actually driving it while uninsured. Your boyfriend will almost certainly be charged with this offence, meaning that he will receive the same penalty points as you and the same fine. Since you state that your boyfriend 'already has too many points', and given that 6 points is the minimum that the court can impose, your boyfriend will now lose his licence and, presumably, his job.
The rest of your problems, lie solely with you, and not with your boyfriend. Driving through the red light will get you 3 more points to start off your new licence if you get one. The court will probably fine you the same amount as if a fixed penalty had applied, ie. �60 but plus costs. Then there's driving without a licence. That might be an additional fine of around �500, plus costs.
If 'running a red light' was only detected by a camera, and not by you being stopped by the police, you could try to get someone else to accept the points. However, if you were to get found out, you'd almost certainly face a fairly substantial prison sentence (typically of around 2 years) for attempting to pervert the course of justice.
Chris