"Yes officer I definitely had my L plate screwed onto my bike but it must have come off in the crash!"
If need be...
Anyway, doesn't the reason of not giving insurance go with the reason for the crash? I.e. not displaying your L-plate isn't the reason a learner may crash down a side street with no other cars around...
Otherwise you'd have people crashing all over the place and insurance could say well obviously you were driving carelessly, which is against the law, so have fun with that crashed bike we ain't paying you shit.
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