Yes, it's possible. However, it is more difficult to obtain auto insurance than bring it through traditional channels. Most providers require a valid driver's license number when you apply. You immediately run into a problem: how do you get auto insurance if you don't have a driver's license? What's more, why would you want to?
Buying auto insurance without a valid driver's license is a need and practicality in several situations. Even if you don't have a right and own a car, your spouse or children will be driving and will require auto insurance. Alternatively, you may be unable to move but wish to maintain a vehicle on standby so that someone can cause you to work or appointments. Alternatively, if you have a permit and are working toward a license, you may consider purchasing insurance.
The steps to get automobile insurance without a license in Alberta are outlined below.
Before getting started, drivers that are looking for competitive car insurance quotes should start their search with a reputable brokerage, like Surex — get it here by visiting https://www.surex.com/insurance/auto-car/alberta today!
Can you insure a car without a license?
If your vehicle sustains damage in a serious collision, car insurance can protect you financially. Even if you dot have a valid driver's license, you may require auto insurance for various reasons. For instance, you may need coverage for your vehicle if:
- You have your learner's permit and are still working towards your driving license, but you aren't covered by your parents' or another person's insurance coverage.
- Your spouse or household member uses your car regularly and does not have auto insurance.
- You can't drive due to a health problem. Therefore, someone else drives you around in your car when you need to go somewhere.
- You don't drive, but you own a collectible or historic car that you'd like to be insured for. For this reason, certain insurance firms provide specific classic car insurance.
Even if you don't get behind the wheel, all of these scenarios necessitate auto insurance purchase. You risk paying for damages or repairs related to an accident out of pocket if you don't have automobile insurance, including harm to others.
Can you insure a car without a license in Alberta 101
If you don't have a valid driver's license but still require car insurance, various options are available to you.
Find A Different Primary Driver.
The easiest solution is to name someone else as the primary driver on the auto insurance policy. A valid driver's license or learner's permit is still legally required.
The individual driving the insured vehicle is known as the primary or principal driver. This could be a: Spouse, child, sibling, roommate, or anyone else planning to drive the vehicle.
You're informing the insurance provider that you won't be driving by naming someone else the primary or primary driver. If your insurer is concerned that you may be involved in an accident while driving without a license, this can reassure you. This may make it easier to have a policy authorized and avoid paying high insurance costs.
You Can Opt- out Of The Policy As A Driver.
If your insurance provider refuses to cover you, even after you've nominated someone else as the primary motorist, you have another option: You can request that your name be removed from the policy's list of excluded drivers.
If you are an excluded driver, your car insurance policy will not cover you or pay any claims resulting from an accident if you do drive the car.
If you choose to exclude yourself, the auto insurance provider might be persuaded to cover the vehicle based on the primary driver's driving record. Keep in mind that your insurance prices will be determined by the driving record of your primary driver. As a result, when selecting a primary driver, look for someone with a clean driving record free of accidents or tickets.
Instead, Get Coverage For Your Parked Vehicle.
Purchasing a "parked automobile" or "storage" policy is another option for receiving car insurance without a driver's license. This sort of coverage protects your car from damage while it is parked, assuming it is not driven frequently.
The policy may, for example, protect you from the following dangers:
- Vandalism or theft
- Third-Party liability
- Windshield coverage
- Car renting
- Depreciation coverage
If you receive this form of coverage, you're in the right insurance company that may not be as concerned that you don't have a driver's license. It could also be less expensive than a typical liability and collision insurance policy.
Is It Possible To Get Car Insurance With A Suspended Driver's License?
A driver is unable to drive legally if their driver's license is suspended, but that doesn't mean that they won't require car insurance. If a motorist's driver's license has been suspended due to a DUI or a severe collision, they may require car coverage to reinstate it.
To verify that you have insurance, your car insurance carrier may be required to submit a form on your behalf. This certificate attests that you have the bare minimum of liability insurance required by your location.
A driver can request one of these documents from their current vehicle insurance carrier and attach it to their policy. If said driver's insurer cancels the coverage, they'll have to look for a new carrier who will create an insurance policy and provide the form.
If a motorist's driver's license is suspended, may be classified as a high-risk driver. It may become challenging to find a car insurance company prepared to deal with you due to this. Even if a driver can find coverage, their premiums may be significantly higher than if their license hadn't been suspended.
It can be more tricky to get auto insurance without a driver's license than one, but it's not necessarily impossible. Be prepared to provide someone else's name as the primary motorist while assessing your auto insurance options. Additionally, be sure to compare coverage costs from other insurers, especially if you need a form to ensure you get the best deal.
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