What are the guarantees of auto insurance without a license?
To cover you during your trips by car without a license, various formulas exist. First of all, you have the third party formula which includes civil liability coverage. This warranty covers responsible physical and material damage caused to others.
Then, you can subscribe to the all-risk auto insurance formula which contains compulsory civil liability as guarantees and the following:
broken windows and windshields;
theft, attempted theft and vandalism;
fire, attack, act of terrorism and storm;
natural and technological disasters;
damage all accidents, whether responsible or not;
legal protection, in the event of litigation and criminal defense;
assistance, which can be at 0 km for home support in the event of a breakdown;
Replacement vehicle ;
driver protection;
loan of the car to another driver;
warranty for special accessories.
It is quite possible for a secondary driver to be declared in order to benefit from the same guarantees of the car insurance contract without a license. This could be the spouse or a family member, for example.
Some insurance companies offer the advantage of being insured by the kilometer, which helps reduce the premium for car insurance without a license. This is ideal if you ride a little during the year.
It is important to pay particular attention to the deductibles and exclusions present in the contract that you plan to take out.
What are the important points to check before subscribing?
Before even taking out a car insurance policy without a license, it is essential to ask yourself a few questions, such as:
What is the start date of my guarantees?
Which formula is right for me? Third party, intermediary, all risks?
What is my overall annual budget for my unlicensed car insurance?
What compensation limits do I need?
Do I want deductibles to reduce the amount of my contribution?
Do I already benefit from certain guarantees in other contracts, such as legal protection in my home insurance?
Taking stock upstream allows you to better prepare and understand the elements that insurers may ask you. You will be informed and serene in order to ride in peace afterwards.
How to take out car insurance without a license?
Taking out car insurance without a license, which is also cheap, is relatively simple. As stated, the average price is 600 euros per year, but each formula is different, as you can see in the following table:
Allianz, MAIF, Crédit Agricole and MAAF offer car insurance without a license. Just go to their website if you want to go live and ask for an estimate. Subsequently, most only ask for the gray card to create your contract and start your guarantees.
Otherwise, you can make quotes online using a comparator to get a visual of the different offers offered. Simulations on the Internet keep costs down, because when you buy directly from an insurance company, you have additional management costs.
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Faq
How to change car insurance without a license?
You must normally wait until the end of the first year of the insurance contract to request termination, with 2 months' notice before this date with the sending of a registered letter with acknowledgment of receipt. Subsequently, the Hamon law allows you to change insurer at any time, so it is ideal for making car insurance quotes without a license.
Car insurance without a license, for whom?
Driving a car without a license is suitable for several types of drivers. We can cite people who have had a license withdrawn or simply not, elderly drivers, those in accompanied driving or young individuals.
Who are the main manufacturers of unlicensed cars?
The French groups AIXAM and Ligier occupy the first places of manufacturers on the market for cars without a license. Next come the brands JDM Automobiles, Automobiles Chatenet, Secma and Bellier Automobiles. The purchase cost is generally between 10,000 and 20,000 €. It depends, among other things, on the make, model, engine and power.
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