Insurance

Practice Insurance. Insuring a car without a license: mandatory… and not given

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

Third-party insurance being the legal minimum (civil liability); like all insurance, you can take out additional options designed to better protect you: driver’s guarantee, legal protection, etc. As a reminder, the VSP is limited to 45 km/h and is not allowed to drive on expressways and highways.


The vast majority of unlicensed car manufacturers offer insurance solutions to their customers. Chatenet pictures

Who can drive?

The license-free car has followers; a third of the drivers are over 50 years old, another third 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 hold the BSR (road safety certificate) issued until January 18, 2013, or the AM license which replaced the BSR from January 19, 2013.

Finally, the law now authorizes young people to drive this type of vehicle from the age of 14, whereas the legal age required was at least 16 years old previously.

To insure a VSP, you will need the vehicle registration certificate and your insurance history statement.  Even canceled for excessive loss or late payment, you have the right to be insured.  Photo Aixam

To insure a VSP, you will need the vehicle registration certificate and your insurance history statement. Even canceled for excessive loss or late payment, you have the right to be insured. Photo Aixam

Pay attention to background

In addition to young people aged 14 to 16 for whom the VSP (including Citroën’s AMI) is a good alternative to the scooter, especially in terms of safety, cars without a license particularly attract drivers affected by an invalidation or withdrawal of license, except those who, by judgment, are prohibited from driving any motor vehicle.

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

If you insure a car without a licence, do not expect a discount since the bonus-malus mechanism does not exist for VSP insurance.  photo Aixam

If you insure a car without a licence, do not expect a discount since the bonus-malus mechanism does not exist for VSP insurance. photo Aixam

Insurance without bonus-malus

To be insured, the VSP must have a registration certificate (the gray card) without which the insurer can do nothing.

Insurance rates for a car without a license can vary, on average, from 600 to 1,000 euros for all risks.

Only the criteria of the model and its age as well as the place of residence of the driver have an influence on the final calculation of the contribution.

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

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