Obtaining insurance without license availability — meaning, trying to find insurance when one doesn’t possess a driver’s license — is somewhat difficult, though by no means impossible. State law, which guides the issuance of a license and also an automobile registration, is more concerned about getting the vehicle license than about having a driver’s license to operate it.
So, then; the first thing to worry about is finding an insurance company that’ll be willing to insure a vehicle without the owner of the vehicle having a license. The easiest and best way to obtain insurance in this case is to seek to have a licensed driver put on the vehicle registration ahead of time. For a car that isn’t being financed this is a relatively easy task.
Just have the state department of motor vehicles or Secretary of State (which is what it’s called in several states around the country) place a co-owner name on the registration and the title. For a car that’s being financed, it’ll be necessary to have a co-maker of the loan, though many banks nowadays may not be willing to extend a vehicle loan to a person without a driver’s license, so keep this in mind.
After another, licensed, driver is put onto the title things will go a bit easier. Both persons will need to discuss insuring the vehicle with an insurance agent and his or her company. Chances are, the insurer will have no problem in extending the policy to the co-owner on the registration. Normally, this is the only way to get insurance and then a registration.
There are instances, however, when an insurer will extend a policy on a vehicle that’s considered historical or antique. In this case, the insurer will look at the vehicle as a collectible rather than as something that’s going to be driven regularly on the roads. Policies in this regard are extremely inexpensive because the vehicle will probably be stored or trailered wherever it goes.
For those who have ended up with a car but who have no license, obtaining standard automobile insurance on it will usually be somewhat difficult when not having another person listed as an owner on the title. There are certain high-risk insurers out there who might extend a policy if the person seeking the insurance signs an affidavit and a document attesting that they won’t be driving the vehicle.
Obtaining insurance without license availability, remember, can be done in certain specific circumstances. Listing a co-owner on the vehicle’s title is one way to accomplish the feat. Another way would be to have the vehicle listed as an antique or historical automobile that won’t be driven. The only other way of doing so is to work through certain high-risk insurers, which is worth remembering.