I had a similar issue with an IN10, and had to wait till the 5 years was up. Sadly insurance companies look very unfavourably at uninsured drivers and I think they intentionally penalise you afterwards.
In my case I thought I was insured to drive any other car on my fully comp, I brought another car on a Saturday, and got pulled over the same day. Was asked if it was my car and was I insured and said yes, turns out I was insured to drive any car, AS LONG AS I DIDN’T OWN IT. If I’d realised I could have got away with it saying I was just test driving it. Tough lesson learnt!