as a fleet manager I have seen fines arriving 2-3 months after the violation occurred. So Alexjohn, you could be in for a long and nerve racking wait.
If you admit that it was yourself driving you will get point and definately a ban. If you get 6 or more you will be automatically banned, due to the new driver 6 points and your out rule.
In all honesty mate you deseve all that is coming to you for speeding, running a red light and not being insured. all that asside, there may be a way out for you on this one.....
When you get the fine, you can actually state that you were not the driver. Find some one that is willing (if possible) to take the points and state that they were driving your vehicle at the time. You pay the fine for them and they take the points. This will not put you in their good books but will save you the drving ban.