Can I insure a automobile and not using a licence? | Adrian Flux

On first thought, the idea of proudly owning a automobile that wants insurance coverage could appear barely odd when you don’t have a licence. However regardless of the rationale you’re unable to at present drive, that doesn’t imply that any automobile you personal ought to go unprotected. 

On this weblog, we check out the explanation why you won’t have a licence and how one can nonetheless get your car insured even when you’re not driving it.

What’s the UK legislation for insuring your automobile and not using a licence?

In case you have by no means had a driving licence issued to you earlier than, it’s not legally potential so that you can get automobile insurance coverage for a automobile that you just plan on driving. 

It’s because you won’t have the ability to give your insurance coverage supplier a driving licence quantity, which is required for buying automobile insurance coverage, plus it’s unlawful to drive a car without a licence within the UK.

Nonetheless, automobile insurance coverage for unlicenced drivers isn’t utterly black and white. In case you are not planning on driving your car and simply need to shield it as an asset you personal, you should still have the ability to insure it. 

Causes you may get insurance coverage and not using a licence

Many suppliers check your licence with the Driver and Car Licensing Company (DVLA) and can reject your insurance coverage utility when you don’t have a sound licence, however there are exceptions. The principle ones are:

• You can’t drive the automobile on account of well being causes
• You at present have a driving ban or suspended licence (the insurance coverage for it will solely be for the car itself, not for you driving it)  
• The automobile was inherited 
• The automobile is being saved after you gave up driving 
• In case you are disabled and are pushed by another person

In case you are getting your licence renewed, we might suggest finding out vital paperwork and varieties to do along with your insurance coverage earlier than you’re with out your licence as this could take two to a few weeks. 

In case you do have a change of circumstances that results in you dropping or handing over your licence, ensure you inform your insurance coverage supplier as quickly as potential. 

Can learner drivers get insurance coverage and not using a provisional licence? 

Briefly, no. Learner driver insurance must be bought along with your provisional driving licence quantity so, to get the suitable insurance coverage, you’ll have to have a UK provisional licence. 

A small exception for some insurance coverage firms will likely be a coverage that begins at 16 and 11 months outdated, so you may insure the automobile on the driveway earlier than a seventeenth birthday. 

You will have to ask your particular supplier with the intention to see if they will accommodate to this. 

Won’t having a licence make insurance coverage dearer?

Insurance coverage suppliers are likely to base the speed in your driving file from the final three to 5 years, so when you haven’t been driving in this time period, you won’t have that driving file. This will classify you as ‘increased risk’, which can elevate the worth of insurance coverage. 

In case you don’t have a licence on account of a previous conviction, once more, this will elevate your fee.

There are a plethora of different causes you will have a ‘protection gap’ or don’t have a license, so it’s finest to be upfront about this along with your potential supplier. 

Insurers base their premiums on predicted threat elements and the price of insurance coverage will rely upon why you haven’t had your licence in order that the insurance coverage firm can issue that into the premium.

Fortunately, with an insurer dealer like Adrian Flux, insuring your automobile and not using a licence doesn’t should be a bank-breaking affair. 

Insuring your automobile with Adrian Flux

Adrian Flux is a specialist car insurance dealer who can tailor your insurance coverage to your wants, bearing in mind all of the elements that will have led to you not having a driving licence. 

We perceive that insuring your car is vital, whether or not you’ve got a licence or not, so we’ll work exhausting to get you a good deal that accommodates your particular state of affairs. 

The very best offers are normally accessible over the telephone, so name 0800 369 8590 for a fast and simple quote or book a callback at a time that fits you.