Why Would You Get Auto Insurance With No Drivers License

Every motorist needs to get an order insurance policy in order to drive within the law. Of course, it will also be necessary for any driver to have a full drivers license. Without these two documents you would be driving illegally and will leave yourself open to legal prosecution as well as enormous financial risk if you were involved in an accident. There are, however, certain circumstances where you may want to get auto insurance with no drivers license.

One of the most of this situations where you would need a car insurance policy without yet having license to drive would be when you are actually in the learning stage. As mentioned, it is illegal to drive your vehicle out on public roads unless you are fully insured, regardless as to whether you have passed your test or not. As such, if you are just learning to drive and you don't yet have a license you will still need to get a policy on your vehicle.

Of course, if you own a vehicle that you do not drive yourself you will still need to get a policy for it. For example, if you are disabled and therefore do not have a driving license, but still own a vehicle you will need to get a policy. Perhaps you have any carer who drives you around - if this were the case then they would be driving the vehicle illegally unless you purchased insurance on it.

Let's not forget that even if you do not drive your vehicle and it is simply sitting parked by the side of the road, it would still be advisable for you to purchase some level of coverage for it. Your policy will cover your vehicle against theft or damage and therefore failing to insure it, even when it is not being used, can leave you at a financial loss if your vehicle does suffer from damage or it is stolen.

Some people end up losing their licenses for a brief period of time and in such circumstances it is still advisable to keep your vehicle insured. Perhaps you have had some problems on the road and have had your license revoked for several months. During this period you will not necessarily be allowed to drive but will still want to get an insurance policy for your vehicle.

As you can see, there are all sorts of circumstances where some level of coverage is still necessary whether you have a drivers license or not.