She's not your G/F, you are one of her customers, it's a business arrangement - no more or no less, there maybe quite a few of you in her life, you will be in the pecking order as to how much you send her,
If you dont have a licence any insurance will be invalid and if you have an accident even if other persons fault, you will be responsible and could end up in jail, no licence - dont drive - it's that simple.