JP wrote[QUOTE] No licence *will* usually mean no insurance (purely because why would the person bother - and even if they did then they would have had to lie on the form stating how long they have had a licence) However no CBT will *not* result in no insurance - not since the insurance law changes which stopped insurance companies weedling out on minor points. If you think about it then if you have an accident and they find the *smallest* fault on the vehicle (empty washerbottle etc) then they could refuse to payout - which obviously isnt the case.[/QUOTE] So where do all these tales come from then? Are you saying they are Urbane Miffs with no basis in reality. Or. is this a case, as I suspect, of reality moving on but the Miffs and the Miff tellers not?