Is it possible to purchase a car without a driver’s license?
Can you get insurance for a car without a license?
What action do you take when you have a suspended driver’s license, but you require insurance on a car you are titled to?
- 1 Reasons to purchase car insurance without a driver’s license
- 2 How to purchase car insurance without a driver’s license
- 3 Who should be a primary driver on a car insurance cover?
- 4 The need for car insurance regardless of your situation
Lots of questions just like these will leave you feeling perplexed.
The idea of insuring a car without a driver’s license looks unintuitive; why should you insure your car if you cannot lawfully drive a car?
But it’s possible to insure your car without a driver’s license; and in some instances, it is in your best interest.
While you can insure your car without a license, it is not a simple undertaking, since many carriers usually ask for a driver’s license number that’s valid when applying.
If you encounter an issue from the start; if you do not have a license, how do you get insurance for your car?
And why do you even want to?
There are many scenarios where purchasing car insurance without a driver’s license is as essential.
Perhaps you do not have a license and have a car, but your children or other half will be behind the wheel and they require car insurance.
Or maybe you don’t drive anymore, but keep a car close by so that someone can drive you to appointments or the office.
Or perhaps you already have a permit and you are working your way towards getting a license, so you need to consider purchasing coverage.
Reasons to purchase car insurance without a driver’s license
There’s a range of instances where purchasing car insurance without a driver’s license might be the best idea.
Here are a few scenarios when you may take into consideration buying car coverage though you do not own a valid driver’s license.
When you have a personal driver
If you have a personal driver who takes you from one area to another, you might not require a license; however, you still require car insurance for any cars you have.
However, it is not only rich people who own chauffers; if you don’t drive due to health of age-related problems but have someone driving you to the office or appointments, you require car insurance though you are no longer driving.
As you reach the age of retirement, car insurance begins increasing in cost, since aged drivers are often viewed as very risky to insure.
But if you are not listed on your insurance cover as the main driver, you should not worry about the age factor.
In addition, you might even be able to apply specific discounts to your coverage.
Car insurance for collectible or vintage car
Picture having a car that’s fit for display in a museum but you do not drive it.
Sure, you might not require personal injury or collision insurance policies; however, you will want to protect the car from a partial or full loss just as you can with another type of collectible or valuable.
Specialty insurers sell many of these kinds of unique car coverages.
In addition, they will also include standard insurance policies in the event you do have a license and choose to drive it in the future.
Getting insurance for your car with a permit
Many countries provide provisional licenses to those learning how to drive, often referred to as learner’s permit.
If you are a teenager with a permit, you need to be listed on the parent’s insurance cover.
However, if you have your car and do not have a household insurance cover to join, you might have to buy car insurance while still having a permit.
But if you are below 18-years of age, you will require a grownup on the policy as well.
Insuring your car when you cannot drive due to health problems
If you are not able to drive because of physical disability but want a caregiver to drive the car for you, you might be able to insure the car and include the caregiver as a covered driver.
Like an insurance cover when you’ve got a chauffeur, your car policy will protect the car even if you cannot drive it.
Insurance for an underage driver
Many countries do not enter into a contract with those below the age of 18.
This means if you have a relative such as a teen child who is driving, you might need to be included in their coverage, even if you do not have a driver’s license yourself.
How to purchase car insurance without a driver’s license
When applying for car insurance, you usually have to include a driver’s valid license number.
If you do not have one, you cannot offer that number; and to insure a driver who is not licensed will make car insurance firms anxious.
But sometimes, you may still buy car coverage even without a license.
Rather than include your driver’s license number, some firms might let you apply for an insurance policy with the license number and name of the primary driver or principal driver.
By doing that, you get listed on the cover, your cars get insured; however, you aren’t technically a driver.
Who should be a primary driver on a car insurance cover?
A licensed driver can be often named the primary driver, no matter whether or not they are living with you.
If you want to insure your spouse’s car, you need to list the driver as primary.
If it is your teen, make sure you list their name.
If you want to get coverage on a vehicle so your friend, caregiver, or roommate can drive you around, you will require their license information and name.
Insurance companies use driving records as one of several factors of calculating the insurance premium of your car.
This is the reason why there is a need for a driver’s license number.
However, if you aren’t a driver on your insurance cover, the carrier can set a rate depending on the primary driver’s driving histories instead.
The need for car insurance regardless of your situation
Whatever the situation of your licensing, you might require car insurance, particularly if you have a vehicle.
There are simply lots of reckless drivers on our roads to go without insurance.
But when you do not have a license, it’s a bit hard getting car insurance policy; but not unachievable.
You might have to pay a bit more; however, you will definitely get your preferred policy.
Just ensure you get enough insurance amounts for accidents and collisions.
In addition, ask any questions you have when purchasing car insurance.