I'd say no licence, no insurance. Would be a brave insurance company to start a HiSo precedent.
I remember when you could get an International Driving Permit in Thailand that wasn't real, but the Police let it go. Trouble was (so my insurance guy said) if you have a accident then you're not licenced and therefore no insurance.
Same as learning-to-drive. My wife started at a driving school. Then I switched her to our car as that was the one she'd be driving.
My insurance guy said your wife and car not covered as she has no licence, better get a licence first then learn to drive. So she got her licence, then learnt to drive.
Love Thailand ????