Are you considering buying a car without a license? These accessible quadricycles, for some, from 14 years old, require to have an insurance in order to circulate. The cost of insuring an unlicensed car varies. lesfurets explains in this guide how the annual premium is calculated to cover a VSP according to your profile and the vehicle to be covered.
What is a car without a license?
A car without a license (VSP) is a type of vehicle that can be driven without a B driving licence , unlike traditional cars. It is intended for urban use. It is smaller and less powerful than a conventional car.
In France, 2-seater cars without a license can be driven from the age of 14 . It is necessary to have an AM license (formerly BSR) since 2013 for drivers born on or after January 1, 1988. Those born before do not need a license or even to obtain the Highway Code examination.
Cars without a license are often equipped with diesel or gasoline engines. There are electric models. The engine capacity of these cars is small. Power is limited to 6 kW , or about 8 horsepower.
The purchase price of a car without a license varies according to the model and the options. Although quite expensive, the price is often lower compared to that of a traditional car. In France, the new purchase price of a VSP is within a range of 8,000 to 20,000 euros . This price varies according to the brands and models. Electric models are more expensive.
How much does insurance without a license cost?
The cost of insuring an unlicensed car will depend on several factors. The model of the car, the geographical area of use, the age of the driver and the type of insurance chosen, impact the annual premium.
As a general rule, it will take between 46 € and a hundred euros per month to ensure a VSP . The cost of insurance may vary depending on the insurance plans chosen.
There are three types of insurance formulas for a car without a licence:
- Third-party insurance: the compulsory minimum insurance formula for all cars with or without a licence. It covers damage caused to third parties (other vehicles, pedestrians, etc.). It does not cover damage to your own car.
- Third-party plus insurance: this insurance formula covers the same risks as third-party insurance, by adding additional guarantees. You can take advantage of protection against theft, fire, glass breakage , etc.
- All-risk insurance: this is the most comprehensive guarantee. It covers all damage caused to third parties, but also damage to your own car. You are covered, even if you are responsible for the accident . The price of this formula is higher.
It is recommended to carefully compare the different insurance formulas before taking out cover for your car without a licence. This allows you to choose the formula that best suits your needs and your budget. It is possible to add options to complete your protection . You can add 0 km roadside assistance or better driver protection, for example.
Find your car insurance with lesfurets
lesfurets offer you to compare the prices of insurance for a car without a license easily. The online quote comparator is a free and non-binding service. It allows you to find coverage that suits your needs. The service compares the offers of nearly thirty car insurer partners to help you find the most advantageous insurance.
By using ferrets, customers can save, on average, up to €360/year on their car insurance . To take advantage of it, it’s quick and easy: all you have to do is provide some information about your vehicle and your driver profile. The comparator questions the companies then offers you the most relevant offers. All you have to do is compare the quotes from the different insurers, taking into account the guarantees included, the amount of the contribution and the deductibles. All you have to do is choose the insurer that meets your expectations.
