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Yes. It would be irresponsible and, in most countries, illegal to drive a vehicle of any sort without 3rd party insurance cover.

If you were to hit someone (and it was your fault) and they ended up injured, could you pay for their medical care or indeed compensate them if they had to spend the rest of their life in a wheel chair? How would you feel if you were the innocent party that was hit?

If you are responsible enough to dive a vehicle you need to take on the responsibility of obtaining insurance to cover injury that you may cause to others while driving.

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Q: Do you need insurance to drive a motorcycle?
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