Is it possible to get car insurance without a driving licence?

Do you want to get car insurance without a driving licence? Many insurers will not accept a car insurance if you do not have a driving licence. For the company it is unclear who will drive the car. Also the driver has no interest in driving damage free because he does not have to pay the premium for the car insurance.

Also, the companies generally find it remarkable when someone without a driving licence buys a car and puts it in his name. This could be a case of a so-called pied piper.

If you would like to know more about car insurance without a driving licence, you can also call . We will then see what is possible in your situation.

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 vehicle insurance for your vehicle as the holder of the registration certificate. The RDW (Dutch Road Traffic Authority) carries out checks on this and can issue fines if you do not comply.

Can you get car insurance without a driving licence?

With most insurers, you can only get car insurance if you have a driving licence. Without a driving licence, an application for car insurance will not be accepted by every insurer. They do not know who is driving the car. Obtaining car insurance without a driving licence is difficult, but not impossible. There are some conditions you have to take into account. If an insurer accepts your application, it often means a higher premium. Of course you are not allowed to drive a car without a driving licence. If you do and cause damage, it is not covered by the insurance and you will have to pay the costs yourself.

Why is taking out insurance difficult without a driving licence?

For many insurers, not having a driving licence is a reason not to accept your application. This is because you do not have a driving licence and are therefore 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 the case that damages will not be reimbursed if they are caused by a driver without a valid driving licence.

Insuring a car without a driving licence

Everyone knows that you cannot drive a car without a driving licence. In principle, you have no use for a car (yet). However, there can be various reasons for wanting car insurance without a driving licence. Maybe you inherit a car or you see a good deal for your dream car. As soon as the registration number of a car is in your name, you are obliged to take out car insurance. It is also possible that you are still taking driving lessons or that you already have a driving licence, but that it has expired or been revoked. It is legally possible to take out a car insurance without a driving licence, but you can only go to one insurer and probably for a much higher premium.

Cheap car insurance without a driving licence

The premium for a car insurance will be much higher for a person without a driving licence than for a person with a driving licence. When calculating the premium, insurers perform a risk analysis. Based on a number of factors, they look at how big the risk is that they will have to pay out a claim later. Someone without a driving licence poses a greater risk, because they do not know who is driving the car. Perhaps you are still taking driving lessons or you need to renew an expired driving licence. As soon as you have a driving licence (again), the premium for your car insurance will go down again.

Still taking driving lessons? Doing your driving test soon?

We cooperate with insurers who have the possibility to insure you while you are still in school. You can make an online calculation for your car insurance. In the final questions, you can indicate that you do not yet have a driving licence and that you are still taking lessons. Of course, you will not be allowed to drive the vehicle yourself: a clause will be added to the policy to that effect. After obtaining your driving licence, this clause can be removed.

If, in the meantime, another person starts driving the vehicle, you must declare this person as the regular driver. Also in this case, you will have to explain the situation at the final question 'do you hold a driving licence valid in the Netherlands? You can then contact us after obtaining the driving licence so that the policy can be amended. Please note that the insurance premium often changes when the regular driver on the policy changes.
If no one is to drive the vehicle until you have obtained your own driving licence, you can have the registration number suspended at the RDW (Dutch Department for Road Traffic). It must then be possible to park the car on your own property.

Compare car insurance premiums online!

  • i To calculate the premiums, we need the postal code of the main driver. In case of private use, the youngest driver must reside at the same address as the applicant. In case of business use you can fill in the postal code of the company.

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Last updated: 16-11-2021

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