I am applying to a Philosophy Master degree which I have little experience on, what should I do with my CV and cover letter?
A taught master's degree are given in programs where the majority of the 'work' that you do is coursework rather than research.

In those cases, the assumption is that you are seeking more background in the field -- which implies that you don't have enough background in the field. I think that you'll find that if you get in, most of your cohort will have similar ... how shall we say it... diverse backgrounds.

I would write your statement just as you did, that you don't have much background but that you are seeking a PhD in the field and see the taught master's as a stepping stone towards that.