What insurance for a car without a license?

What insurance for a car without a license?
A more secure alternative to the scooter, the license-free car is popular with young drivers as well as more experienced drivers. What are the characteristics of this type of vehicle? And what are the applicable regulations?

What are the categories of cars without a license?
How to recognize a car without a license? This type of vehicle is subdivided into two categories: the light motor quadricycle and the heavy motor quadricycle.
The light motorized quadricycle
The light motor quadricycle is a motor vehicle with four wheels and the design speed of which does not exceed 45 km / h. In addition, its power is limited to 6 kW (or 4 kW for models prior to 2017).
The traffic authorizations to drive this type of cart depend on your date of birth (before or after 1988).
The heavy motor quadricycle
A heavy motor quadricycle is a four-wheeled vehicle whose power does not exceed 15 kW. The unladen weight of this type of vehicle must not exceed 400 kg (if it is intended for the transport of people) or 550 kg (if it is used for the transport of goods).
To drive this type of cart, you must have a B1 license.
Do I need the license to drive a cart?
When we think of a car without a license, we often think of the light motor quadricycle. To find out whether or not you need to have a driver's license for such a vehicle, all you need to do is refer to your date of birth.
Were you born before 1988?
If you were born on or before December 31, 1987, you can drive a car without a license.
Were you born after 1988?
If you were born in 1988 or later, you must have the road safety certificate (BSR) corresponding to the AM category of the driving license from the age of 14.
To obtain the BSR (1), you must follow a theoretical training validated by the 1st or 2nd level ASSR (2) or the ASR (3). You must also take practical training lasting 8 hours. The validity period of a BSR obtained from January 19, 2013 is 15 years.
Insurance, registration: what formalities for a vehicle without a license?
Beyond the driving license, it is also necessary to register and insure the vehicle without a license. What are the obligations in this area?
Vehicle insurance without a license
Do I need insurance to drive without a license? The answer is yes. Auto insurance is compulsory for any motorized land vehicle that travels on public roads. The role of auto insurance is to compensate victims in the event of a responsible loss. The only compulsory insurance for a car without a license is therefore the liability guarantee (RC), sometimes also called third party insurance.
 
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This insurance may be supplemented by other guarantees, in particular to compensate the driver if he suffers damage. Among the optional guarantees that may be included in these insurance contracts, we can cite the damage guarantee for all accidents, the legal protection guarantee, the glass breakage guarantee or the driver protection guarantee. The amount of the insurance premium varies depending on the type of vehicle, but also on the guarantees chosen, the profile of the driver and the level of excess of the guarantees.

Regarding this last point, it should be noted that there are two types of franchises:

On the one hand, the simple deductible (or relative deductible) consists in determining an amount of coverage based on the damage observed. If the amount of repairs is greater than the deductible, the insurer will pay them in full. If, on the other hand, the costs are lower than the deductible, the insured party will have to pay.
On the other hand, the absolute deductible introduces a clear and distinct separation between the deductible itself and the amount of repairs to be made on the unlicensed car. If the work is less than the deductible, the insured will pay. If, on the other hand, the amount of repairs is greater than the deductible, the insurer will intervene to cover them but the deductible must still be paid by the insured. Good to know, there is a variant of the absolute franchise, called optional franchise.
What are the differences between classic auto insurance and unlicensed auto insurance? There are two main differences. On the one hand, auto insurance for an unlicensed car is generally less expensive. On the other hand, you should know that the principle of the bonus / penalty on the insurance premium does not apply for a car without a license.

What happens if the unlicensed vehicle is not