You need to have insurance before you take possession of a motor vehicle, let alone drive it on any kind of permit or license.

This is because bad stuff can happen at any time.

Most bad stuff happens in an accident, but it can get stolen, damaged, cause damage. If you own it, you are responsible, unless you got insurance first.

If police stop you for any random reason, they will probably need to see your
* license is correct for type of vehicle you driving (you do know that a different license needed for motorcyce, than for car?)
* ownership … you have right to be driving this vehicle
* licence plates properly registered to ownership
* wearing suitable safety gear like helmet
* proof of insurance

If any of this evidence is missing, the presumption is that you are driving illegally.