beechgal,
There's no such thing as a licence that only allows you to fly with an instructor, but I've heard of several people who always fly with instructors for one reason or another. An instructor friend of mine has a "student" who is an ex-world war 2 pilot; he's elderly and doesn't feel safe flying alone an/or can't get a licence, but he regularly flies himself to another airfield with my friend sitting there and doing very little, but just making sure he's safe.
However, if you go for an NPPL you only need to be up to the standard for an HGV medical to be able to carry passengers, or the medical standard needed to drive a car so long as you only fly alone. There aren't that many people who can't manage that.
So the bottom line is....YOU CAN FLY!!!!!!!!! It's the details that may differ.