Can You Get Car Insurance Without Driving License?

There are a few insurances that everyone needs to have and among them is car insurance if you are owning a vehicle. Car insurance can protect you during the event of a mishappening which may endanger your life or if your vehicle got stolen or damaged. 

The car insurance company will ask you for details about your driving license when you apply for car insurance. Even if you do not have a driving license then it is possible to get insurance coverage. Here in this article we discuss getting car insurance without a driving license. 

Car insurance without a driving license

The car insurance will provide financial protection if your car gets into an accident. Even if you do not have a driving license then there are many reasons that you will need to purchase car insurance. There may be situations where you do not have a license but need car insurance. 

• You may have a learning license and you are working towards getting a driving license.
• Any of your family members drive your car regularly and they do not have car insurance 
• When you are not well and someone else drives your car and you need to go.
• You are healthy and you are able to drive but you rely on the driver to drive your car
• You do not drive but you own a car and the insurance company will want you to get covered under insurance. Insurance companies offer special packages for insurance for this purpose.

The above discussed are the situations in which you're not covered under the insurance. Car insurance is mandatory when you are driving on the roads. Without car insurance, you are at risk and you are highly liable for penalties and judicial interventions in the event of a misfortune. 

Click here for All about car licence plate in Dubai

Getting Car insurance without a driving license

If you do not have a driving license and you want car insurance then there are various ways you can get the car insurance. 

Search for a primary driver

The best and most possible way is to find out the principal driver for your vehicle also known as the primary driver. The primary driver is the person who will drive your vehicle and they should have a valid driver’s license or at least a learner’s permit.  The primary driver should be able to drive the car and then it can get insured. A primary driver can be any of the following.

Exclude yourself from the insurance policy

Some insurance companies will not provide car insurance even after providing the primary driver. Ask the insurance company to exclude your name from the driver list. The insurance company will enter your details as an excluded driver on the policy. 

The car insurance policy will not be covered if you are driving and it meets with an accident. Also, legal actions will be taken against you as you are listed as an excluded driver on the insurance policy. 

It is best advised to think before you declare yourself as an excluded driver. Once you give the insurance company an excluded driver then the primary driver will be given importance. 

The primary driver's history of driving is considered to declare the insurance premium. When you are choosing the primary driver, select the right person who has a clean history of driving and should not have challans or tickets open in his name. 

Parked Car policy

Possibly another way of getting car insurance without a driving license is to buy a parked car or storage policy. It will protect against damages which may happen if the car is parked and the assumption is it is not driven regularly. 

This insurance policy will protect against

• Natural calamities
• Theft
• Vandalism
• Objects falling on car
• Other reasons

Insurance companies will not consider this as driving a car and it will protect against the aspects discussed above. It is less expensive compared to other driving insurance policies with collision cover.

Take away

It is not impossible to get car insurance without a driving license but it is very difficult to get one. There are many conditions that you need to fulfill to get car insurance. Provide someone as your primary driver and proceed to go for the car insurance. The primary driver should have a valid driving license and should be good at driving. Compare the insurance policy rates across the different insurance companies and select the best car insurance suitable for your requirements.