Can I get car insurance without having a license?

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4 weeks ago

September 7, 2024

Xavier Catherine

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Is it possible to get car insurance without having a license, or without owning the car? Find out!

Anyone who has, or is thinking about having, a car knows that taking out insurance is essential to enjoy their asset with peace of mind.

However, there are situations where it is not possible to take out insurance in the name of the vehicle owner. What is the alternative in these cases? Cancel the insurance? Take it out in someone else's name?

YOU MAY HAVE MISSED:

When is the use of the tracker mandatory for car insurance?

In whose name can car insurance be taken out?

In an insurance contract, there are 3 “people” mentioned. In some cases, a single person can accumulate the “roles” of the 3 characters. In others, different people embody each role, as long as the insurer allows it.

Main driver: the person who drives the car the most. In some cases, a secondary driver may be listed on the policy;
Car owner: the person in whose name the vehicle is registered;
Insured: This is the person responsible for taking out the insurance, and may or may not be the owner of the car.

In general, the vast majority of companies allow people to occupy the designation of “insured” and “owner”.

Can I get car insurance without having a license?

Yes, even those who are not qualified can take out insurance, as long as they meet the requirements set by the insurer.

An example of this is when a father (who is not licensed) buys a vehicle for his son to drive. In this situation, when the contract is signed, the father is the insured (or responsible for the insurance) and owner of the vehicle, while the title of main driver is assumed by the son.

How is the price calculated in these situations?

In cases where there is more than one person involved with the car, it is necessary to provide the insurer with information about each of the people.

So, to obtain an insurance quote, the company will evaluate all the information about the vehicle and the main driver.

Based on this analysis and information about the insured, the driver and the owner, the company will arrive at the amount that will be charged.

Does insurance cover a driver who is not licensed?

No, insurance cannot be taken out for an unlicensed driver. Brazilian law does not allow anyone who is not licensed to drive a car.

If this happens, and the car is involved in an accident, the insurance will likely not pay out.

In most cases, the same principle applies to third party damage coverage. If the driver of the other vehicle involved in the accident does not have a driver's license, the insurer is not required to cover the costs of compensating third party damages.

Conclusion

In short, it is possible to take out car insurance without having a license, as long as a licensed driver is indicated as the main driver, and this insurance will have the same coverage and guarantees as those present in insurance for someone who has a driver's license.

This is because the warranty is for the car, which will be driven by someone who is permitted to drive.

In these cases, if there is an accident, the compensation will be for the person named as the insured, and not for the driver.

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Can I get car insurance without having a license?

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