Ive also not bothered doing my car test. (even got a mk2 golf given to me!)
Rode a 50cc at 16, a 125cc at 17/18, then did my bike test at 18 ( allbeit restricted to 33bhp).
Im 19, with 3yrs no claims, on a TPFT policy with breakdown and legal cover and it costs me £400 a year for 2 bikes. (Kwak ZX6R and a Suzuki GT250)
The golf would of cost me £1500 to insure....
Only reason id get a car licence, is so i could do my LGV/HGV licence for a job.