The crux of this is that at the time and date stopped your did not have a Licence to drive the vehicle involved according to DVLA records. You will have to show otherwise to the Court to achieve a Not Guilty verdict. Can you do so?. If not, many would advise a Guilty plea with all the mitigation you can summons as to why no Licence.
Normally a person with no Licence invalidates Insurance. In your case it appears that at one stage you held a Licence so you comply with the requirement of the Insurance Policy in covering a person who holds OR has held a Licence to drive and is not disqualified by Court Order or age..
This is why, I would presume, only a summons for No Driving Licence and not an added charge of No Insurance.
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