Today, it is possible to acquire a car without a license (VSP). However, behind this term it is important to understand what this vehicle is and who can drive it. As with a classic car, you must take out car insurance. lesferets explain how to choose the right insurance at the best price using their comparators.
What is a car without a license?
The car without a license belongs to the category of light motor quadricycles. It is called by some “cart“. It can travel on the usual traffic lanes in the same way as a conventional automobile, except for the expressways (express roads or motorways).
Their name is misleading. If it does not require a license for some drivers, people born after 1988 must hold a category AM driving license. This is the same license as for scooters, previously called BSR (Brevet de Sécurité Routière). The latter is accessible to people aged 14 and over. This means that you can drive a car without a license from this age. It is a French peculiarity. In other European states, the AM license is only recognized from the age of 16.
The VSP sees its speed limited to 45 km/h. The power of its engine cannot exceed 4 kW, its cylinder capacity must not exceed 50 cm3. It can only carry a maximum of 2 people. Its engine can be thermal or electric. Most of the models in circulation run on diesel, although new electric cars are coming onto the market. A car without a license is smaller than a classic car and its weight is reduced. It is limited to 450 kg or 600 kg for a VSP intended for the transport of goods.
What is unlicensed car insurance?
Insurance for a car without a license can be taken out with a traditional insurance company. The contract makes it possible to cover the risks related to the circulation of the vehicle. The insurer takes into account the profile of the insured, the type of journey to be made and the vehicle to be covered.
There are three levels of coverage as with any car insurance policy:
- Third-party insurance: this formula is the mandatory minimum with civil liability;
- Third-party insurance plus: in addition to the RC, you have some useful options, such as the guarantee against theft, glass breakage or vandalism;
- Comprehensive insurance : your coverage compensates you even if you are responsible for an accident. However, this option is significantly more expensive.
Third-party insurance is the most basic. It allows you to insure yourself against damage caused to third parties. If you want to be covered, you must choose comprehensive insurance.
The insurance of a car without a license is compulsory, in the same way as that of a classic car. This is what covers the damage you may cause to others. If you are responsible for an accident and you do not have insurance, you will have to compensate the victims. It can be very expensive.
By driving without insurance, you are in violation and you can be fined. Driving without insurance is punishable by a fine of up to €3,750. You can have your vehicle confiscated, be sentenced to community service or daily fines. Your car without a license must be insured at all times, as soon as it is on the public highway.
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