Don’t you have a driver’s license? Such a situation may arise for various reasons. Let’s consider some of the possible situations. For example, a wealthy person who does not have a license may acquire a car that will be driven by his driver.
Another situation is: the candidate for the driver hasn’t yet completed training at a driving school when he found a great deal like www.americaninsurance.com and decided to get an insurance policy at the best conditions. One more situation that may take place is when a parent who does not have a license buys a car to a child studying at a university. Also, it isn’t a rare case when an underage child inherits the car.
Is Driving License a Must for a New Owner?
In fact, the list above can be continued. However, all possible situations have one common feature – the vehicle owner does not have a driver’s license, i.e. cannot drive a car. In this case, the question arises: “Is it possible to buy a car insurance without license?”. In practice, the absence of a license means that the owner has a rather modest knowledge of automobile legislation, as he/she hasn’t passed training in a driving school. But this doesn’t mean that you can’t get an insurance policy without having this document.
As you can see, there are situations when a car is purchased even before the receipt of a driver’s license. The buyer and seller jointly draw up a contract of sale of the car, after which the buyer gets the keys and the document. Registration of additional documents for the driver at this stage is not required. In the event of a stop by the traffic police, it will be necessary to present them a contract of sale and a certificate of registration of the previous owner. So, you can be the owner of a car without a driver’s license.
Can the Absence of a License Prevent from Getting Insurance?
How to arrange for motor third party liability insurance without a license? When buying and owning a car, it is not necessary to have a driver’s license, hence it is possible to ensure a car under compulsory motor liability insurance without this document. Two possible options for obtaining insurance:
- Insurance without restrictions;
- Insurance with a certain group of individuals who are allowed to drive a car.
As you can see, the absence of a driver’s license will not prevent you from getting insurance for your vehicle. When buying an insurance policy, you do not need to provide a car, i.e. driver services are not required at this step. The owner can go to the office of the insurer independently. However, there are things to pay attention to.
Since the owner does not have a driver’s license, he/she can either buy insurance with an unlimited number of drivers (it is more expensive), or be registered as a driver of one of his friends who is older than 22 years and has driving experience of more than 3 years (under such conditions insurance may be cheaper).