idk how it works where you live, but where I am just having a license gets your merits yearly. We have a merit/demerit system, so you get one merit a year for each clean driving year. Goes up to 20. Rates go down as merits go up.
about two years ago i fucked up my ankle in an accident (coincidentally with one of those rental e scooters) and have had an e-bike since. big recommend