A car without a license must be insured in the same way as all land motor vehicles. In terms of car insurance , the offers offered are the same as for conventional contracts.
The cart is particularly suitable for drivers who have had their license revoked , seniors and retirees , as well as adolescents aged between 14 and 18 wishing to familiarize themselves with driving a motor vehicle. To meet this demand, insurers have designed several products for cars without a license .
Is insuring a car without a license (VSP) compulsory?
Just like classic vehicles, it is compulsory to insure your car without a license with at least a civil liability guarantee . A golf cart remains above all a land motor vehicle and must therefore be registered. In order to take out this car insurance for your vehicle without a licence, you only need to provide your insurer with a copy of the cart’s registration document .
Finally, your spouse or a member of your family can perfectly well be declared as the secondary driver of your cart and therefore benefit from the protection offered by the insurance policy.
How to properly insure a vehicle without a licence?
Finding vsp insurance is relatively easy and accessible for a driver, insofar as the risk of accident is limited, for two reasons:
- The speed of circulation of a car without a license is limited to 45km/h;
- It does not have the right to circulate on the motorways and expressways.
This being the zero risk does not exist, it is important to protect yourself in the event of a claim with appropriate car insurance without a license.
What formula for car insurance without a license?
Insurance companies offer three types of car insurance to cover your cart:
- third-party insurance , the basic minimum mandatory formula, which only covers damage you may cause to a third party. It is ideal for young drivers
- third-party plus insurance , which includes guarantees against theft, fire or glass breakage
- all-risk insurance , the most expensive, but which offers broad protection for all motorists
What guarantees for car insurance?
Thus, certain optional guarantees may be particularly relevant when it comes to protecting yourself against the specific risks involved in driving a car without a licence.
- The driver’s guarantee is one of the options to take into account in your car insurance contract without a license. It covers costs related to any bodily injury you may sustain in an accident. It is all the more useful as golf carts, due to their small size, are more vulnerable to collisions, for example .
- Collision Damage Waiver covers any repairs your cart may suffer following an accident or collision. You should know that repairing a car without a license is expensive , so this warranty is ideal for saving you money.
- The legal protection guarantee for cars without a license is another option to consider. This allows you to enforce your rights in the best possible way in the event of a dispute following the purchase , sale , repair or removal by the pound of a car without a licence.
What price for your car insurance without a license?
Do you want to estimate the price of vsp insurance? From €20 monthly for a third-party formula, this can go up to more than €100 monthly for an all-risk formula. As the intermediate formulas are generally within this range, the most effective way to estimate the best price for your car insurance without a license online is to use a specialized comparator. To enable you to clearly identify the price of your car insurance without a licence, we offer the following tables, produced by us using data provided by our partner Comparadise.
The average price of car insurance without a license for a person living in the provinces and in the Paris region:
| – | Province | Parisian region |
| Third party formula | 45.07€ | 46.45€ |
| Intermediate formula | 57.06€ | 58.29€ |
| All-risk formula | 105.19€ | 114.22€ |
The average price of car insurance for a car without a driving license per young inhabitant in the provinces and in the Paris region:
| – | Province | Parisian region |
| Third party formula | 48.41€ | 49.34€ |
| Intermediate formula | 60.48€ | 59.62€ |
| All-risk formula | 125.37€ | 132.88€ |
How to find cheap car insurance without a license?
To find cheap vsp insurance, you can go through a specialized insurance company.
Another solution is to use an online auto insurance comparator to save time. This service, free and without commitment, allows you to compete with several insurers; wherever you are and whenever you want.
Why use a car insurance quote comparator without a license?
Yes, some motorists turn to cars without a license. As with any car, you need to insure it. For this, the simulation tool offered by lesfurets is an ideal tool for accessing car insurance quotes without a licence. In a few clicks, you have access to the offers that meet your needs. In this way, using a car insurance quote comparatorwithout a license can allow you to target the most competitive rate at a glance. It also gives you the opportunity to find out what levels of guarantees are concerned and whether any promotions are available on this type of product. With lesferets, find cheap car insurance without a license in just a few minutes and make significant savings.
Frequently asked questions about car insurance without a driver’s license:
Who can insure a car without a licence?
The driver of the cart must absolutely take out car insurance without a license in order to take the wheel. Remember that a car without a license can be driven from the age of 14 for a two-seater and 16 for a four-seater. The driver must hold a BSR or AM license.
How much does insurance cost for an unlicensed car?
It all depends on the formula you choose, as well as your driver profile! On average, the price of car insurance without a third-party license varies between €20 and €50 per month. For theft and fire insurance, count between 30€ and 60€ per month. Finally, for all-risk insurance, you will have to pay an average of between €40 and €70.
Do you have to insure a car without a licence?
Insuring a vehicle is mandatory, even if its owner does not have a license. The car without a license must therefore at least be covered by civil liability in order to cover all the damage that you may cause to a third party.
How to insure an Aixam?
Do you own a car without an Aixam licence? All you have to do is do an online insurance simulation to find the car cover that can meet your needs and your vehicle, without leaving your home.
