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

Also, companies generally find it remarkable when someone without a driver's license buys a car and puts it in their name. There could be a so-called cat-catcher.

If you would like to know more about driverless car insurance, you can also call us. We will see what is possible in your situation.

Not all insurers can insure your vehicle when you yourself are (temporarily) without a driver's license. However, you are required by law to have car insurance for your vehicle. The RDW (Department of Road Transport) carries out checks on this and can issue fines if you do not comply.

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

With most insurers, you can only get car insurance if you have a driver's license. Without a driver's license, not every insurer will accept your application for car insurance. This is because they will not know who is driving the car. Getting car insurance without a driver's license is difficult, but not impossible. However, you must take into account a number of conditions. If an insurer accepts the application, there is often a higher premium. Obviously, you are not allowed to drive a car without a license. If you do and cause damage, it is not covered by the insurance and you will have to pay the costs yourself.

Why is buying insurance difficult without a driver's license?

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?

Without a driver's license, you are not allowed to drive a car; everyone knows that. In principle, a car is of no use to you (yet). However, there may be various reasons for wanting to take out car insurance without a driver's license. Perhaps you have inherited a car or you have found a good deal on your dream car. As soon as the license plate of a car is registered in your name, you arerequiredto take out car insurance. Of course, you may still be taking driving lessons, or you may have had a driver's license, but it has expired or been revoked. It is legally possible to take out car insurance without a driver's license, but you will only be able to do so with a few insurers 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 significantly higher for someone without a driver's license than for someone with a driver's license. Whencalculatingthe premium, an insurer performs a risk analysis. Based on a number of factors, they assess the risk of having to pay out a claim in the future. Someone without a driver's license poses a greater risk because they do not know who will be driving the car. Perhaps you are still taking driving lessons or need to renew an expired driver's license. As soon as you have a driver's license (again), your car insurance premium will go down again.

Still taking driving lessons? Taking your test soon?

We work with insurers who can insure you while you are still learning to drive. You cancalculate your car insurance online. In the final questions, you can indicate that you do not yet have a driver's license and that you are still learning to drive. Of course, you are not allowed to drive the vehicle yourself: a clause will be added to the policy for this purpose. Once you have obtained your driver's license, this clause can be removed.

If, in the meantime, another person starts driving the vehicle, you will need 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.