Dear Stev, here you need not such a thing, you get licence, that is it. I got my 50 cc licence at 16 and over 50 cc at 18. never since then a test, alsmost blind and can see cars and bikes on the road, but only shape of road signs. I hit some one, bad luck for me and him. no insuring of anything, just expensive things like tv, hi-fi and so on. Not compulsunarry, optional only at big payment per month.
Leon Kind regards