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Good morning. What is the summons for?
I'm afraid that unless he was insured under the terms of the policy he will have to plead guilty to driving without insurance which carries 6 penalty points, a fine and costs. If you have permitted him to drive without insurance you will also be guilty of a similar offence and be liable to 6 points. However, in your sons case he might be able to avoid points by arguing "special reasons" and citing the emergency that you've mentioned. If the court accepts his argument he will still be guilty of the offence but the court has a discretion not to endorse his licence with points. You might be able to run a similar argument but I think his chances of success are better.
I should say, for the avoidance of doubt, that insurance is compulsory and driving without insurance is a strict liability offence. In other words unless your son was insured he will not have a defence to this case - driving because of an emergency is not a defence but may be a reason not to endorse points as mentioned above.
Yes of course.
Please remember to take a moment to rate my answer otherwise I am not paid for my work. I am happy to assist any further if you wish. Alice :)