Is it possible to get car insurance without a driver's license?

Insurance companies also generally find it suspicious when someone without a driver's license buys a car and registers it in their name. This could indicate the use of a so-called front man.

If you'd like to learn more about car insurance without a driver's license, youcanalso give us a call. We'll then look into what's possible in your situation.

Not all insurers can insure your vehicle if you yourself do not have a driver’s license(even temporarily). However, as the registered owner, you are required by law to have auto insurance for your vehicle. The RDW (National Road Traffic Authority) conducts inspections to ensure compliance and may issue fines if you fail to comply.

Can you get car insurance without a driver's license?

Most insurers will only allow you to purchase car insurance if you have a driver’s license. Without a driver’s license, not every insurer will accept an application for car insurance. This is because they don’t know who will be driving the car. Getting car insurance without a driver’s license is difficult, but not impossible. You do need to take a number of conditions into account. If an insurer accepts your application, it often comes with a higher premium. Of course, you’re not allowed to drive the car without a driver’s license. If you do so anyway and cause damage, it won’t be covered by the insurance, and you’ll have to pay for the costs yourself.

Why is it difficult to get insurance without a driver's license?

For many insurers, not having a driver’s license is a reason to reject your application. This is because you don’t have a driver’s license yourself and are therefore not allowed to drive the vehicle. An insurer always wants to know who will be driving the vehicle and bases its premiums on that information. In fact, claims are not covered if they are caused by a driver without a valid driver’s license.

Is it possible to insure a car without a driver's license?

You can’t drive a car without a driver’s license—everyone knows that, of course. In principle, a car is of no use to you (yet) in that case. Still, there may be various reasons why you’d want to get car insurance without a driver’s license. Maybe you’ve inherited a car or found a good deal on your dream car. As soon as a car’s license plate is registered in your name, you’rerequiredto take out car insurance. Of course, it’s also possible that you’re still taking driving lessons or that you used to have a driver’s license, but it has expired or been revoked. While it is legally possible to get car insurance without a driver’s license, you’ll only be able to find coverage through a single insurer—and likely at a much higher premium.

Is there affordable car insurance available without a driver's license?

The premium for car insurance will be significantly higher for someone without a driver’s license than for someone with one. Whencalculatingthe premium, an insurer conducts a risk analysis. Based on a number of factors, they assess the likelihood that they’ll have to pay out a claim. Someone without a driver’s license poses a greater risk because the insurer doesn’t know who will be driving the car. Perhaps you’re still taking driving lessons or need to renew an expired driver’s license. As soon as you have a driver’s license (again), your auto insurance premium will go down.

Still taking driving lessons? Taking your driving test soon?

We work with insurers that can provide coverage while you’re still taking driving lessons. You canget a quote for your auto insurance online. In the final questions, you can indicate that you don’t have a driver’s license yet and that you’re still taking driving lessons. Of course, you’re not allowed to drive the vehicle yourself; a clause to that effect will be included in the policy. Once you’ve obtained your driver’s license, this clause can be removed.

If another person begins driving the vehicle in the meantime, you must designate that person as a regular driver. In this case as well, you’ll need to explain the situation in the final questions when asked, “Do you hold a driver’s license valid in the Netherlands?” Once you have obtained your driver’s license, you can contact us so that the policy can be updated. Please keep in mind that the insurance premium often changes when the regular driver listed on the policy changes.
If no one will be driving the vehicle until you have obtained your driver’s license, you can have the license plate suspended with the RDW (National Road Traffic Authority). The car must, however, be able to be parked on your own property.