On first thought, the idea of proudly owning a automotive that wants insurance coverage could appear barely odd when you don’t have a licence. However irrespective of the explanation you’re unable to presently drive, that doesn’t imply that any automotive 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 when you’re not driving it.
What’s the UK legislation for insuring your automotive and not using a licence?
In case you have by no means had a driving licence issued to you earlier than, it’s not legally attainable so that you can get automotive insurance coverage for a automotive that you just plan on driving.
It is because you received’t be capable to give your insurance coverage supplier a driving licence quantity, which is required for buying automotive insurance coverage, plus it’s unlawful to drive a car without a licence within the UK.
Nevertheless, automotive insurance coverage for unlicenced drivers isn’t utterly black and white. If you’re not planning on driving your automobile and simply need to shield it as an asset you personal, you should still be capable to insure it.
Causes you may get insurance coverage and not using a licence
Many suppliers check your licence with the Driver and Car Licensing Company (DVLA) and can reject your insurance coverage software when you don’t have a sound licence, however there are exceptions. The principle ones are:
- You may’t drive the automotive resulting from well being causes
- You presently have a driving ban or suspended licence (the insurance coverage for this may solely be for the automobile itself, not for you driving it)
- The automotive was inherited
- The automotive 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 suggest checking out necessary paperwork and varieties to do together with your insurance coverage earlier than you might be with out your licence as this may take two to a few weeks.
When you do have a change of circumstances that results in you shedding or handing over your licence, ensure you inform your insurance coverage supplier as quickly as attainable.
Can learner drivers get insurance coverage and not using a provisional licence?
Briefly, no. Learner driver insurance must be bought together with your provisional driving licence quantity so, to get the suitable insurance coverage, you’ll have to have a UK provisional licence.
A small exception for some insurance coverage firms can be a coverage that begins at 16 and 11 months outdated, so you’ll be able to insure the automotive 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.
Won’t 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 when you haven’t been driving in this time period, you received’t have that driving document. This may classify you as ‘increased threat’, which can elevate the value of insurance coverage.
When you don’t have a licence resulting from a previous conviction, once more, this will likely elevate your fee.
There are a plethora of different causes you’ll have a ‘protection hole’ or don’t have a license, so it’s finest 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 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 automotive and not using a licence doesn’t should be a bank-breaking affair.
Insuring your automotive 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 which will have led to you not having a driving licence.
We perceive that insuring your automobile is necessary, whether or not you may have a licence or not, so we’ll work laborious to get you a good deal that accommodates your particular scenario.
The very best offers are normally accessible over the telephone, so name 0800 369 8590 for a fast and straightforward quote or book a callback at a time that fits you.
