Is insurance compulsory for a car without a license? Yes, insurance is compulsory, even for cars without a license. In France, any motorized vehicle circulating or parking on the public highway must be provided. This includes the light quadricycles, better known as the car without a license (VSP)!

What is a license car?

Cars without a license are light motor quadricycles, practical in certain situations. The legislator has provided simplified rules of use. These vehicles can be carried out without a license, provided they meet these criteria:

Minimum age : 14 years with the road safety certificate (BSR), now called AM license.

Technical characteristics ::

  • Empty weight ≤ 425 kg.
  • Power ≤ 6 kW (about 8 horsepower).
  • Maximum speed ≤ 45 km/h.

Insurance is compulsory for these vehicles

As with other vehicles, a car without a license must be provided.

  • Compulsory civil liability ::
    Third party insurance is the legal minimum. It covers the material and bodily damage caused to third parties in the event of an accident.
  • Specific insurance ::
    Some companies offer contracts adapted to cars without a license.
  • Risks in the event of a lack of insurance ::
    Driving without insurance is a serious offense. This can lead to a fine, the immobilization of the vehicle and the significant financial consequences in the event of an accident.

Why go beyond the minimum?

Yakoota recommends you to choose insurance covering more than the bare minimum especially for a car without a license. Good protection preserves your safety and heritage. With Yakoota, easily compare insurance to find the one that meets your needs and your budget. The tariff increases of these cars planned in 2025 are around 5%, probably greater than average increases in car insurance.  

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