This might help.These are the answers i received from the INSEAD adcom
Please find below the answers to your questions:
1) Do send your transcripts before the deadline. No need to write the application ID, by your name we will attach it to your application later on.
You cannot send it by fax, we need the originals or certified copies.
2) Yes, you should submit your application by the deadline, even if you have not received the TOEFL score. If your degree was exclusively, there was no need to take the TOEFL, but we will include it in your file.
Please let me know if you have any other question.
Kind Regards
Admissions Team