Insurance follows the car, not the driver. As long as the car is insured and you have permission from the owner to drive it, you are covered.
It depends on which company your uncle is insured with, but typically with a standard insurance company you have to live in the household to be a listed driver on the policy. This is regardless of your relationship to the primary insured. If you are not listed on the policy as I driver you are still insured to drive his vehicles as long as you have permissive use.
The answer is "it depends." I know of no insurance companies that issue policies "to drive any vehicle" ... automobile insurance, at least in the USA, is based on the car being driven. In that case, the insurance is actually on the automobile, not on the driver. Therefore, an uninsured car would not be insured regardless of the driver. There may be exceptions, depending on the underwriter and the particular policy involved.
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