On first thought, the idea of proudly owning a automobile that wants insurance coverage could appear barely odd in the event 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 reason why you won’t have a licence and how one can nonetheless get your automobile insured even in the event you’re not driving it.
What’s the UK legislation for insuring your automobile with no licence?
In case you have by no means had a driving licence issued to you earlier than, it isn’t legally attainable so that you can get automobile insurance coverage for a automobile that you just plan on driving.
It is because you gained’t be capable 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. If you’re not planning on driving your automobile and simply wish to defend it as an asset you personal, you should still be capable to insure it.
Causes you will get insurance coverage with no licence
Many suppliers check your licence with the Driver and Car Licensing Company (DVLA) and can reject your insurance coverage software in the event you don’t have a legitimate licence, however there are exceptions. The principle ones are:
- You possibly can’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 stored after you gave up driving
- If you’re disabled and are pushed by another person
If you’re getting your licence renewed, we might advocate finding out vital paperwork and kinds to do together with your insurance coverage earlier than you’re with out your licence as this could take two to a few weeks.
If you happen to 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 attainable.
Can learner drivers get insurance coverage with no provisional licence?
In brief, no. Learner driver insurance must be bought together 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 firms will probably 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 have to ask your particular supplier to be able to see if they’ll accommodate to this.
Is not going to having a licence make insurance coverage dearer?
Insurance coverage suppliers are inclined to base the speed in your driving document from the final three to 5 years, so in the event you haven’t been driving in this time period, you gained’t have that driving document. This may classify you as ‘larger threat’, which can elevate the value of insurance coverage.
If you happen to don’t have a licence as a consequence of a previous conviction, once more, this may occasionally elevate your charge.
There are a plethora of different causes you will have a ‘protection hole’ or don’t have a license, so it’s greatest to be upfront about this together with your attainable supplier.
Insurers base their premiums on predicted threat elements and the price of insurance coverage will rely on 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 no licence doesn’t need to 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 gotten a licence or not, so we are going to work exhausting to get you a good deal that accommodates your particular state of affairs.
The most effective offers are often out there over the cellphone, so name 0800 369 8590 for a fast and simple quote or book a callback at a time that fits you.
