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I'm exactly the same, done 1 exam and nearly ready for another but I just can't get motivated to do it alot of the time.
Classroom is much easier but costs alot more.
As said if the car itself doesn't have a policy it is uninsured. Even if you can both drive other vehicles on your own policy the car has to be insured by someone first.
I got a standard shell card and used it for a few months and still haven't got enough points for a £5 off petrol voucher. I don't really use shell anymore its too expensive.