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How can I insure a car without a license?
Is it possible to insure a car without a license? My dad wants to add his car onto my policy, but he has not had his license for years. Is there any way that we can add his car to my plan?
Carlos Kirby · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Great question! Generally speaking, it is completely possible to insure a car without a license as long as the person without the license is listed as an excluded driver on the
car insurance
policy.By listing a non-licensed driver as an excluded driver, they are alleviating risk to the company because they are excluded from coverage. You will see their name listed on the policy due to the driver exclusion endorsement, but as long as they do not have a license, they will not be able to drive. For example, if your father was pulled over or in an accident without his license, he would be processed as a driver without insurance.
This can also result in differing fines and in some cases vehicle impoundment, which is why we encourage any driver on any policy to drive with a valid license.
Depending on your insurance company’s guidelines, your father’s car may need to be re-registered under your name to be listed on the insurance policy.
If your father were to find, replace, or renew his license, he and you both would save money from bundling both cars onto the same policy. If you want to make sure you get the best deal on bundling your policies, check out the
Jerry
app. We’ll get you quotes from top providers in seconds, so all you need to do is pick the plan that works best for you. And once you pick, we’ll even help you switch!Best of luck with adding your father’s car!
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