1.failure to produce your license for examination
2. failure to produce insurance certificate
3. no insurance
Basically as far as the law is concerned you were driving without insurance nor driving license.
Cheers for that, so basically 2 and 3 will be invalid once they see my documents for license and insurance (which the officer already knew I had as he checked - what an awesome system that we still need to produce them!) so I should then just be looking at the penalty for not producing which I'd imagine will be a small fine?