Can you register and insure a car without a licence?

It is possible to buy, register and insure a car without a driver’s licence in Australia, though most states and territories handle this process slightly differently from one another. However, it is important to note that you won’t be covered if you’re illegally driving the car without a licence and are involved in an accident.

Even if you don’t have a driver's licence, you’ll still be required to take out Compulsory Third Party (CTP) insurance in order to buy and register a car. This insurance (also known as a green slip) covers the cost of medical bills or other damages to third parties if your car is involved in an accident. In the Australian Capital Territory (ACT), CTP insurance is called MAI (Motor Accident Injuries) insurance, but otherwise plays the same role.

You could also choose to take out fire and theft insurance to protect your vehicle against accidental damage, crime and vandalism, even if you’re unlicenced and don’t drive it. Fires and theft cover is often a cheaper option than a comprehensive car insurance policy, though its coverage is less thorough.

If someone else regularly drives a car you own, you may consider taking out a car insurance policy such as comprehensive car insurance. This policy should provide thorough coverage for damage to your vehicle, whether due to fire, theft, vandalism, or if it’s involved in a road accident. You may also want to ensure that you list this driver on your policy, or else you might end up having to pay an additional excess for an unlisted driver in the event of a claim.

Whether you’re applying for CTP, fire and theft, or comprehensive car insurance, the process will likely be similar whether or not you have a driver’s licence. Keep in mind that while a driver’s licence may not be an essential requirement, it can often streamline the application process compared to providing other types of identification. With some insurers, you may find you’ll have to call or visit a branch in person to apply rather than applying online if you don’t have a licence.

The best type of car insurance policy for you will depend on your personal and financial situation. It’s important to compare car insurance quotes before making your final decision and to consider both the cost and the value being offered to determine if the policy will be right for you, now and in the future. 

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