I’ve seen that vehicle ownership thing argued successfully. Police stopped someone who had just effectively bought it & was driving home, they argued as it hadn’t been registered yet it technically wasn’t his vehicle thus was insured. A pnc check showed vehicle wasn’t his obviously so police argued their point, he stood his ground & eventually court found in his favour. It was quite amusing to watch certainly not a quick win but if you dig your heels in it can be done. Not worth the risk if you know but if not its easily done.
Makes me wince when I think of the stunts we pulled as “kids”