Is It Possible to Buy Car Insurance Without a Driving License?


Insurance is crucial when it comes to insuring your life and health, but the same seriousness is not observed when it comes to buying motor insurance. Why so?

Many individuals love appreciating cars but aren’t interested in driving them. Are you one of them?

Do you want to buy a car but are hesitant because you do not hold a driving license?

Worry not, we are here to debunk the myth that ‘no driving license means no auto insurance.’

While it may seem counter-intuitive, let us tell you that you do not need a driving license to buy a two or car insurance policy. You can appoint a chauffeur for your commuting needs whereas your other family members can hold a valid driving license, and still, you can buy an insurance policy in your name.

Let us look at the documents you need at the time of buying an insurance policy.

To start with, the application form is the first piece of document you require to submit. Along with it, your vehicle’s registration certificate. A pollution certificate is also necessary in case of a second-hand car. Albeit driver’s details are required, a driving license is not a mandatory requirement. Remember to compare car insurance policies across different insurers before buying.

Now that it is clear that you do not need a valid driving license at the time of purchasing an insurance policy, why is the general notion on the requirement of one?

At the time of filing a claim, your driving license is a crucial document. In case of an accident, it is the first few documents that are inspected. This driving license needs to be of the driver of such a vehicle. However, when you file a claim for damages, the sum insured is directly deposited to the policyholder’s account.

Since a valid driving license is required for making a claim, for simplicity purposes, it has gained importance as an essential requirement while buying four-wheeler insurance too.

Now that you know it is no longer required for purchasing an insurance policy go ahead and buy your favourite motor car to enjoy the motoring comfort from the back seat of your car.

Reasons for non-drivers to opt for four-wheeler insurance

It isn’t you who drives: Car aficionados often want to enjoy travelling in their luxe motor vehicles. They generally have full-time chauffeurs and do not need a driving license at all. On the contrary, you have someone else in your family who knows to drive.

You possess a vintage car: A vintage car is generally passed down from generation to generation, and not everyone who owns one knows how to drive it. It sure is a rare piece of machinery they possess and would want to keep it insured. At such times, getting an insurance cover is a plausible scenario for a non-driver.

Health conditions: In some cases, if a person has a physical disability, for example of the lower body, it becomes increasingly difficult to commute. Moving around in your vehicle is convenient, but with the assistance of a family member or a driver.

You have a learner’s license: A learner’s permit lets you drive only when accompanied by a person holding a valid driving license. If you want to buy a new car, you need to purchase motor insurance.

To conclude, whether you buy comprehensive or third party car insurance online, you can purchase one even without having a driving license. Don’t let a driving license deter you from buying your dream car.

Do you have a young driver in your family? Do you know how much insurance you need and when to buy it? If so, is here to help. We’ve put together a comprehensive guide on the insurances for young drivers, so you can make the most informed decisions.