I have a license and a van but only use it in the city to pick up large items or bikes. The nice thing about not having a license is being able to run stop signs and whatnot without having to worry about getting a ticket. It comes in handy when I want to go to London or go to ravenshoe or Hardwood with a bunch of my buddies. When I was looking for insurance, cold calling places, thay were quoting me $4000-$5000. My gf hooked me up with her Dads insurance company and got it down to 2500...but thats for insurance that allows anyone on my team to drive as well. Get a hook-up with someone you know and you will get a better deal.