Automotive. Car insurance without a license: mandatory … and not given

Like any motor vehicle, a car without a license (VSP or cart) is subject to compulsory insurance. Thus, you will find three known types of insurance: third party, extended third party and all risks.

Third party liability insurance is the statutory minimum (civil liability); like all insurances, you can take out additional options designed for better protection: driver’s warranty, legal protection, etc. As a reminder, VSP is limited to a speed of 45 km/h and cannot be driven on expressways and motorways.



The vast majority of unlicensed car manufacturers offer insurance solutions to their customers.  Photos of Shaten

The vast majority of unlicensed car manufacturers offer insurance solutions to their customers. Photos of Shaten

Who can drive?

An unlicensed car has followers; a third of drivers are over 50 years old, another third are between 30 and 50 years old and the last third are under 30 years old. If you were born before January 1, 1988, you can drive a cart without a code and without a driver’s license.

If you were born after December 31, 1987, you must have a BSR (traffic safety certificate) issued before January 18, 2013, or an AM license, which replaced the BSR from January 19, 2013.

Finally, the law now allows young people to drive this type of vehicle from the age of 14, while the previously legal age was at least 16.



To insure VSP, you will need a vehicle registration certificate and an extract from your insurance history.  Even if canceled due to excessive loss or late payment, you are entitled to insurance.  Aisham Photos

To insure VSP, you will need a vehicle registration certificate and an extract from your insurance history. Even if canceled due to excessive loss or late payment, you are entitled to insurance. Aisham Photos

Pay attention to the background

In addition to young people aged 14 to 16, for whom the VSP (including AMI Citroën) is a good alternative to a scooter, especially from a safety point of view, cars without a license are especially attractive to drivers who have been affected by the cancellation or revocation of their license, with the exception of those who court verdict prohibited from driving any vehicle.

Insurers seem to be quite reluctant to insure minors; thus, depending on the track record – or not – they can offer very high prices.



If you are insuring a car without a license, do not expect a discount, as there is no bonus-malus mechanism for GSP.  photo Aisham

If you are insuring a car without a license, do not expect a discount, as there is no bonus-malus mechanism for GSP. photo Aisham

Insurance without bonus-malus

To be insured, the GSP must have a registration certificate (gray card), without which the insurer cannot do anything.

Rates for car insurance without a license can range from 600 to 1000 euros on average for all risks.

The final calculation of the fee is affected only by the criteria of the model and its age, as well as the place of residence of the driver.

A fairly large amount that will never be limited by your good behavior, since the contract is not subject to the bonus-malus rule.

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