Can Car Insurance be Purchased Without Driving Licence

A car insurance policy is a type of insurance plan that covers any damages to your car in case of an unfortunate event. Here, the car insurance company will lower your financial burden. Car insurance has different types, but per the Government of India, it is mandatory to have third-party insurance to ride a vehicle on the road.

But, the main question is, can you buy vehicle insurance without a permanent driving license? Usually, in the document section of the car insurance policy, it is mentioned that the policyholder must hold a permanent driving license to buy the plan. However, even if you do not have a driver's licence, you may still obtain the necessary coverage.

Reasons to Buy Car Insurance Without a Driver’s License

According to lawmakers, not having a driver’s license and driving on the road is a criminal act. But what if you do not own a driving license and have a car? You still need to buy vehicle insurance to avoid another offence. For example, you may require coverage for your vehicle if:

• The driver is not the owner, and a professional driver or chauffeur is driving the vehicle.
• The owner purchases a vehicle for a family member or friend who will be the primary driver.
• The owner holds a learner's permit and plans to obtain a driver's licence shortly.
• The vehicle is a vintage car. For this purpose, certain insurance companies provide specific classic motor insurance.

These are instances where motor insurance is required even if you are not driving. Without automobile insurance, you risk paying for damages or repairs involved with an accident out of pocket, including harm to others.

How to Get Car Insurance Without a Driver’s License?

Every vehicle must be insured, and every driver must have a driver's licence. However, under the conditions mentioned above, the owner may get motor insurance without submitting their driver's licence.

• Another Driver: The easiest option is to name someone else as the primary or significant driver on the policy. That individual must possess a valid driver's licence or learner's permit to drive the vehicle on the road. By listing another driver, you are telling the motor insurance company that you are not violating the law.
• Exclude yourself as a Driver: If the insurance company still refuses to cover you, even after you've nominated someone else as the principal driver, you have another option for obtaining cheap car insurance: You can request to be included on the insurance as an excluded driver. One thing to note is that if you select someone else as a primary driver, the driver's history must be clean to get the best car insurance for yourself.
• Get a Parked Car Policy: A "parked car" or "storage" policy is another option for receiving car insurance without a driver's licence. This coverage protects your vehicle against damage that may occur while parked and assuming it is not operated. If you receive this coverage, a motor insurance company may be less worried if you don't have a driver's licence. It may also be cheaper; thus, you will get cheap car insurance online, including liability and collision coverage.