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insuring a car without a driving licence

Insuring a car without a driving licence

Now with free recovery service
  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.
Always Acceptance
Always Acceptance
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8.2
Insurance assessment

Your car insurance coverage

Third-party liability (mandatory)

  • Free recovery service
  • Damage to others
  • Theft, joyriding and loss
  • Windscreen damage
  • Damage by fire or natural disaster
  • Own damage caused by a collision

WA limited casco

  • Free recovery service
  • Damage to others
  • Theft, joyriding and loss
  • Windscreen damage
  • Damage by fire or natural disaster
  • Own damage caused by a collision

All-Risk (WA+Casco)

  • Free recovery service
  • Damage to others
  • Theft, joyriding and loss
  • Windscreen damage
  • Damage by fire or natural disaster
  • Own damage caused by a collision

Buying a car without a driver's license is going to work. Once you have a car in your name, you also need to get car insurance for the vehicle. But then you run into a problem. Some insurers will not provide car insurance for an owner of the car without a driver's license. Not even if the regular driver is another person with a driver's license. Still, there are options for insuring a car without a driver's license.

There is a logical reason behind the obligation to insure a car. Driving a car takes great risks. A small steering error with a car that drives 100 kilometres per hour, for example, can have major consequences. The financial damage is insured with the liability insurance(WA car insurance).

How to buy a car without a driving licence?

A driving licence is often used to identify the new owner of the car at the time of transfer, but it is not compulsory. You can also use an ID card or a passport. Nowadays you can also register a car online. You log in with your DigiD, so also this way you do not need a driving licence for the transfer of ownership. After registering the car, you may be in for a surprise. Not all insurers will insure the car.

Insuring a car without a driver's license is that possible?

Normally, insuring a car is easy. Without a driving licence, it is more difficult, but don't panic. Even in that case, you can still compare and choose the car insurance which is the most suitable for you in terms of conditions and premium level. In our car insurance comparer, we have already made a distinction between insurers who require a driving licence and those who do not. The comparator allows you to compare and take out a car insurance even without a driving licence.

Must the regular driver have a driver's license?

You are not allowed to drive a car without a driving licence. It is, of course, punishable by law. Also for the car insurance, driving without a license is not allowed. In that case the car insurance will not cover you. In case of damage, the insurer may pay the other party, but the damage can be recovered from you.

What if you find yourself without a driving licence due to a serious offence?

A serious breach of the law can result in the loss of a driving licence. This need not affect any existing car insurance. It goes without saying that you are not allowed to drive a car without a driving licence. However, getting new car insurance without a driving licence can be more difficult. When taking out new car insurance, one of the questions to be answered may be: "Have you ever been disqualified from driving?" Therefore, coming without a driving licence due to an offence has consequences.

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Can I take out insurance without a driving licence?

Not all insurers can insure your vehicle if you yourself (temporarily) do not have a driving licence. However, you are obliged by law to have a car insurance for your vehicle as a licence holder. Read more>

How can I renew my driving licence?

All new driving licences issued are valid for a period of 10 years. This means that a driving licence must be renewed every ten years. Read more >>

I have lost my driving licence. What is the cost of a new driving licence?

If you have lost your driving licence or if it has been stolen, you should always report this to the police. If this happens abroad, for example while on holiday, you should report it to the police in the Netherlands. If you have lost your driving licence , the costs for applying for a new licence vary from one municipality to another. Read more >>

Calculate car insurance premium

Now with free recovery service
  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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