Can You Get Insurance Without A Licence?

Can You Insure a Car Without a Licence?

No – you cannot insure a car without a valid driving licence. In the UK, it’s a legal requirement to provide a driving licence number when purchasing car insurance – whether you’re looking for short-term cover or an annual policy.

Can You Own a Car Without a Licence?

Yes – you can own a car without owning a valid driving licence. 

• You are not required to insure your car if it has been kept off all public roads since before 1st February 1998, or if you have a credible Statutory Off Road Notification (SORN). 
  
• You won’t need to insure your car if it has been stolen, scrapped, or exported, and you have notified the relevant authorities of this.
  
• If a vehicle is currently in stock or between dealers, it does not need to be insured, as long as the dealer is authorised.
  
• You don’t need a licence if you’re permitting someone else to drive your car, with the necessary insurance.
  
• If you’re learning to drive a car on a provisional licence, you can buy and own a car before you’ve passed your practical test. 
  
• You don’t require a licence to buy a car for someone else to drive, such as a caregiver, employee or a family member.
  
• If you’ve purchased a collectible car that you’re not planning to drive, you don’t require a licence. In this case, you may be able to purchase insurance for the vehicle as an asset, rather than insuring it to be driven.