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

Why is taking out insurance difficult without a driving licence?

For many insurers, not having a driver's license is a reason not to accept your application. This is because you do not have a driver's license yourself and therefore are not allowed to drive the vehicle. An insurer always wants to know who will be driving the vehicle and bases its premiums on that. It is even true that damages will not be reimbursed if they are caused by a driver without a valid license.

Car insurance without a driver's license is that possible?

You are not allowed to drive a car without a license, of course everyone knows that. Therefore, in principle, you have no use for a car (yet). Still, there can be several reasons for wanting to get car insurance without a license. Maybe you inherit a car or you see a good deal for your dream car. Once a car's license plate is in your name, you are required to have car insurance. Of course, it can also happen that you are still taking driving lessons or that you already had a license, but it has expired or been revoked. It is legally possible to get car insurance without a driver's license, but you can only get it from one insurer and probably for a much higher premium.

Do you have cheap car insurance without a driver's license?

The premium for car insurance will be a lot higher for a person without a license than for someone with a license. When calculating the premium, an insurer does risk analysis. Based on a number of factors, they look at how great the risk is that they will have to pay out a claim later. Someone without a license poses a greater risk because they don't know who is driving the car. Maybe you are still taking driving lessons or need to renew an expired license. Once you have a license (again), your car insurance premium will go down again.

Still taking driving lessons? Doing your driving test soon?

We work with insurers who have options for insuring you while you are still taking classes. You can make a calculation for your car insurance online. In the final questions you can indicate that you do not yet have a driving license and that you are still taking lessons. Of course, you will then not be allowed to drive the vehicle yourself: a clause will be placed on the policy for this. After getting your driver's license, this clause can be removed.

If, in the meantime, another person starts driving the vehicle, you will have to declare this person as the regular driver. Also in this case, you will have to explain the situation in the final questions under the question "do you hold a driving license valid in the Netherlands?". You can then contact us after obtaining the driving license so that the policy can be adjusted. Please note that the insurance premium often becomes different when the regular driver changes on the policy.
If no one is going to drive the vehicle until you have obtained the driver's license yourself, you can have the license plate suspended at the RDW (National Office for Road Traffic). The car must then be able to be stored on your own property.