When it comes to car insurance, one of the first things insurers look at is whether the person applying has a valid driver’s licence. This requirement makes sense—after all, insurance companies are assessing the risk of a driver being behind the wheel. But what if you don’t currently hold a valid licence? Can you still take out a car insurance policy?
Why a Driver’s Licence Matters for Insurers
Insurance companies use a driver’s licence to:
- Verify your identity and driving history.
- Assess risk based on your record (accidents, fines, claims).
- Confirm you are legally allowed to operate a vehicle.
Without a licence, the insurer has no way of confirming whether you’re a responsible driver or whether you should be on the road at all.
Situations Where You Might Not Have a Licence
There are a few common scenarios where people look for car insurance without holding a valid driver’s licence:
- Learners or suspended licences – You may be in the process of getting your licence or have had it temporarily suspended.
- Car owners who don’t drive – You may own a car but someone else (a partner, child, or driver) does the actual driving.
- Medical or age-related restrictions – In some cases, people are unable to renew or keep their licence but still own a vehicle.
Can You Still Get Insured?
The short answer: Yes, but with restrictions.
- Naming another driver: You can list someone else as the primary driver if they have a valid licence. In this case, you remain the policyholder, but the risk is assessed on the named driver.
- Garage and theft coverage: Some insurers may allow cover for cars that are parked, stored, or used infrequently, focusing mainly on theft or damage rather than road use.
- Special exceptions: Each insurer has its own rules. Some may refuse outright, while others may tailor a solution depending on the circumstances.
Things to Consider
- Honesty is key: Never misrepresent your licence status when applying. Insurers can cancel claims if details are inaccurate.
- Costs may differ: Premiums may be higher since the insurer takes on more risk if the licence situation is unclear.
- Future driving: If you plan to get or reinstate your licence, you’ll need to update the insurer immediately.
The Bottom Line
While getting a car insurance policy without a valid driver’s licence is possible, it usually involves naming a licensed driver or opting for limited coverage. The most important step is to be upfront with your insurer about your situation to avoid complications during a claim.
Providers like Pineapple Insurance encourage transparency and work with customers to find cover options that make sense for their circumstances. If you’re in this situation, it’s best to discuss your options directly with the insurer before making a decision.