All unlicensed aerodromes are private, and therefore require prior permission before you go there. In fact many licensed aerodromes are also private and PPR should be obtained first. The operator will always be happy to provide the operating hours etc. Some clubs do not permit their aircraft to be taken to unlicensed aerodrome, not sure why, as most have good facilities. Licensing is a requirement for Public Transport operations and flying instruction, it is not required for private operation and should not affect your insurance.
R/T is based on the service provided, if its A/G, it makes no difference what the status of the aerodrome is. There is no such thing as a call to "Traffic" in the UK all such calls should be addressed to either "Location Radio" or "A/C Callsign - Transmitting Blind"