Is there a way to get expensive car insurance for a 19-year old son in the UK around?

My child (17) had permission to push his dad’s automobile to the retailer when he was staying at his residence. My child is in a incident and the vehicle is totaled. I currently learn his uncle does not have insurance to the vehicle. Am I accountable for replacing the car? Does his dad have any liability in any way? I’ve full coverage on my cars. May my insurance kick-in at any stage?

I dont want to enter my personal information all. it doesnt need to be precisely I simply wish like a simple calculator. I dont mind like the incident information or my vehicle data however”I had been one hour from my household in nebraska if they found out and my parents may destroy me