Ah that may be so but I bet if you don't have a licence the insurer won't pay out on a claim. Insurance won't pay if you are drunk so why would they pay if you are not correctly licenced? Just because you can get the policy does not mean its worth a jot if the rider is not qualified.
You gotta remember that your insurers are there to protect you not to protect whoever you hit. If you are the at fault driver and not doing your part (ie: operating the vehicle in a safe manner which implies that you are sober and trained) they won't help you. The aggrieved party (or their insurers who will have paid them prior to taking it out of your hide) can still sue you and when they win (and if you were pissed/untrained they will) you will spend the rest of your life paying for it. Of course if you have a house or other saleable chattels the courts will simply take that, sell it and settle the judgment that way.
