Criminals are so dumb, why they don't just get the plates made up I don't know. That way you(and the police) wouldn't know the car was cloned already.
I know you are supposed to have your v5 and identity to get plates, but there are loads of places you can get them without.
Likewise, just drive home and if you get tugged say that because of the Jan 2005 regulation(that makes it difficult for ordinary members of the public to get replacement plates, but no harder for dogey people to get plates) you could not get any made up as you don't have the v5 and the only way of getting it was to drive home.
Don't speak to your insurance company IMO, as they'll probably think you want to claim for a set of numbers plates and write it down as an accident!
