Re: 33 bhp kit?
This is coming from someone who's never had a restricted lisence but like it's been covered before.
It's only important if you are in a situation that requires proof, i.e. accident investigation, producer etc...
In terms of insurance maybe just ask them? I mean after all you have to have a license in the first place but has any insurance company ever asked you to prove you have a license? They haven't with me.
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