Yes you can! So long as you fulfil all of the relevant criteria asked for by the insurance company. The law of the UK only requires a minimum insurance of Third Party Cover to allow you to drive. So you can only do this on the vehicle the policy covers. There may be age restrictions or minimum time for holding a full UK license that you must adhere to. Best to check the policy or insurer directly! Most Insurance companys ask for you to be over 25 though.
If you are a provisional driver or you have held your licence for less than two years, your licence will be revoked if you accrue six or more points. If you have held a full driving licence for two or more years and you accrue 12 or more points in a period of 3 years, you will be disqualified from driving.
If a new driver (with a provisional licence or a full licence less than two years old) receives six points, their licence will be revoked. If a driver has held their full licence for more than two years, the maximum is extended to 12. Penalty points will come off a driving licence after 4-11 years depending on the offence. A driver may check their current penalty points via the government website.
A driver who does not have a valid drivers license will be fined and charged, this has nothing to do with a car that is insured, if the driver is caught and cannot prove that the car is insured the fine will be doubled or tripled. No sane person would drive a car without a valid license or insurance, no matter what part of the civilized world you live in.
You can get your learners licence at 15. While you have a learners licence you must be accompanied by a fully licenced driver. You can then get your restricted licence after passing a driving test. You are not allowed to drive between 10pm and 5am unless you have a fully licenced driver in the front passenger seat. This lasts for 18 months when you can apply for full licence after passing another driving test.
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