Moped Insurance

Is driving without a licence and no insurance a criminal or a non endorsable offence at 16 on a moped? You are legally able to drive a moped at 16 but you have to hold a licence. If a person has been caught driving one without a licence and no insurance they will get two endorsements on their licence, a fine and a possible driving ban that will start when they apply for a licence.
10/08/2011 12:00:54 Jo