On first thought, the idea of proudly owning a automobile that wants insurance coverage could seem barely odd should you don’t have a licence. However regardless of the explanation you’re unable to at the moment drive, that doesn’t imply that any automobile you personal ought to go unprotected.
On this weblog, we check out the the explanation why you won’t have a licence and how one can nonetheless get your automobile insured even should you’re not driving it.
What’s the UK legislation for insuring your automobile with out a licence?
If in case you have by no means had a driving licence issued to you earlier than, it isn’t legally potential so that you can get automobile insurance coverage for a automobile that you simply plan on driving.
It is because you received’t be capable of 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.
Nevertheless, automobile insurance coverage for unlicenced drivers isn’t utterly black and white. In case you are not planning on driving your automobile and simply wish to defend it as an asset you personal, you should still be capable of insure it.
Causes you will get insurance coverage with out a licence
Many suppliers check your licence with the Driver and Car Licensing Company (DVLA) and can reject your insurance coverage utility should you don’t have a legitimate licence, however there are exceptions. The principle ones are:
- You may’t drive the automobile as a consequence of well being causes
- You at the moment have a driving ban or suspended licence (the insurance coverage for this can solely be for the automobile 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 advocate finding out vital paperwork and varieties to do along with your insurance coverage earlier than you might be with out your licence as this may 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, be sure you inform your insurance coverage supplier as quickly as potential.
Can learner drivers get insurance coverage with out a provisional licence?
In brief, no. Learner driver insurance must be bought along with your provisional driving licence quantity so, to get the suitable insurance coverage, you’ll must have a UK provisional licence.
A small exception for some insurance coverage corporations shall be a coverage that begins at 16 and 11 months outdated, so you possibly can insure the automobile on the driveway earlier than a seventeenth birthday.
You will want to ask your particular supplier as a way to see if they’ll accommodate to this.
Won’t having a licence make insurance coverage dearer?
Insurance coverage suppliers are likely to base the speed in your driving report from the final three to 5 years, so should you haven’t been driving in this time period, you received’t have that driving report. This will classify you as ‘increased threat’, which can increase the worth of insurance coverage.
In case you don’t have a licence as a consequence of a previous conviction, once more, this may occasionally increase your fee.
There are a plethora of different causes you will have a ‘protection hole’ 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 depend 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 with out 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, taking into account all of the elements that will have led to you not having a driving licence.
We perceive that insuring your automobile is vital, whether or not you’ve got a licence or not, so we’ll work arduous to get you a good deal that accommodates your particular state of affairs.
The very best offers are normally out there over the telephone, so name 0800 369 8590 for a fast and simple quote or book a callback at a time that fits you.
