Insure a car without registration

Insure a car without registration

Online registration request

Insuring your car is a legal obligation. However, it is not possible to insure a car without a registration document.

This obligation does not only apply to cars. It applies to all vehicles. Indeed, it is also mandatory to have the gray card of your quad or the gray card of your scooter to be able to take out insurance.

Get my registration card online.

What does the law provide for in terms of car registration and insurance?

Gray cards and insurance are mandatory documents that all drivers must be able to present to law enforcement in the event of an inspection.

The decree of August 9, 2017, on various measures for the dematerialization and modernization of procedures relating to the registration of vehicles, has put in place new rules such as:

  • Carrying out the procedures related to the gray card on the ANTS site or through an authorized service provider or an automotive professional ( garage, dealer, etc.);
  • The obligation to present a gray card to subscribe to insurance.

The obligation to hold the gray card of a vehicle to circulate on the public highway

The gray card, or registration certificate, represents in a way the identity document of a vehicle. This is a document issued by the competent authorities for the identification and traceability of the vehicle.

It includes, in particular, the following information:

  • the vehicle registration number;
  • the date of first registration of the vehicle;
  • the main technical and commercial characteristics of the vehicle;
  • the identity and address of the owner of the vehicle.

Zoom: You can request your gray card online on the LagalPlace website. We are indeed authorized to carry out any procedure relating to a request for a registration certificate (duplicate, change of address, purchase of a used vehicle, etc.). All you have to do is complete our form. You will receive your gray card at home, as soon as possible!

Not only does the law oblige the owner of a vehicle to apply for a registration certificate in his name, but it also obliges him to always keep this document up to date.

Thus, the holder of a gray card must imperatively declare to the administration:

  • a change of registration cardholder;
  • a change of address ;
  • an assignment for destruction.

Warning: Failure to present the gray card or the presentation of an outdated or non-compliant gray card, corresponds to an infringement of the highway code punishable by a fixed fine.

The insurance obligation

Subscription to automobile insurance is compulsory for any natural or legal person who owns a motorized vehicle. This obligation is provided for in the Insurance Code in force.

Auto insurance protects both the driver and third parties in the event of an accident. This protection is intended to prevent the driver at fault from suffering too heavy a financial loss in addition to the obligation to compensate the victims by way of damages. It also makes it possible to ensure that the victims are taken care of for the compensation of the damage suffered.

Auto insurance can be limited to civil liability cover (third-party formula) or go as far as the highest level of guarantees (all-risk formula).

Furthermore, the insurance obligation does not only concern vehicles in circulation on public roads. Non-driving vehicles are also subject to this obligation.

Is considered as a non-driving vehicle, any vehicle which is not in a state of circulation on the public highway.

Good to know: If the owner does not want to insure his non-driving vehicle, he will have to empty the gas tank, ensure that the wheels do not touch the ground, and remove the battery.

The breach of the obligation to insure a vehicle is punishable by law. This is called an insurance default. In this case, the owner exposes himself to financial and legal sanctions.

Indeed, the fact of driving without insurance amounts to having to bear the financial burden alone in the event of an accident causing bodily injury or significant damage. In addition, the owner of the uninsured vehicle will not be compensated for his injuries or property damage. Finally, victims of road accidents caused by an uninsured driver are compensated by the compulsory insurance guarantee fund (FGAO). This FGAO must be reimbursed in full by the uninsured driver.

From a judicial point of view, the Highway Code provides that driving without insurance constitutes an offense, which can be punished as such with a fine of €3,750.

Good to know: The public action can be extinguished by the payment of a fixed fine of €500. The latter can be reduced to €400 if payment is made within 15 days, or increased to €1,000 after 45 days.

In the case of recidivism, the amount of the fine can go up to €7,500.

In any case, the termination of the car insurance can only occur in the event of the vehicle being transferred by the owner.

The impossibility of insuring a vehicle without a gray card

Today, it is impossible to insure a vehicle without a gray card. Indeed, the 2017 decree cites the registration certificate as one of the mandatory documents necessary to take out car insurance.

Therefore, all insurers will ask to produce the gray card for the establishment of an auto insurance contract.

This constraint also weighs on the driving license. The decree requires that the driving license be presented to the insurer for the subscription to car insurance. In addition, the driving license in question must correspond to the type of vehicle to be registered.

Is it possible to insure a car in a name different from that of the gray card?

The law provides for the possibility for a third party to insure a motor vehicle that is not his. Indeed, insuring a car that you do not own is possible. Nevertheless, insurers are not fully in favor of it.

When the subscriber is not the owner of the insured vehicle, 3 options are available to him:

  • taking out insurance as the main driver of the vehicle;
  • taking out insurance as a secondary driver ;
  • subscription to insurance as an occasional driver.

In all cases, it is the subscriber of the insurance contract who is responsible for paying the insurance premium and making claims, if necessary.

This solution makes it possible to extend legal protection not only to the owner of the insured vehicle but also to anyone driving the vehicle.

Note: The subscriber must mention the frequency with which he uses the vehicle. In the event of a false declaration, the insurance contract may be declared null and void.

Generally, the situation is temporary. This can, for example, be done while waiting for a change of ownership or a transfer of the vehicle. It is also possible to insure a vehicle that one does not own due to the occurrence of a relative’s inability to drive his vehicle or when a friend has gone to live abroad, for example.

How to insure a car?

Whether it is an individual or a company, the owner of a car is obliged to insure it. To do this, he can go to an agency or complete the formalities online. He will also have to collect all the mandatory supporting documents to be provided to the insurer. The owner can finally decide to subscribe to the minimum guarantees imposed by law or to subscribe to a formula whose coverage is more advanced.

The constitution of the file

Before signing the insurance contract, the car owner must complete an information form. This form can be completed in an agency with the insurer or alone online.

It allows in particular:

  • the identification of the car to be insured;
  • to be able to classify in the database the different drivers as well as their antecedents;
  • to be aware of the usual use of the car to be insured and to adapt the clauses of the insurance contract accordingly;
  • to be able to establish the annual insurance rate.

The form must be completed as precisely as possible.

Note: In the event of a false declaration, the insurance contract may be null and void and the insured, in the event of an accident, will not be compensated.

The subscriber must attach to the form all the supporting documents required for taking out car insurance and requested by the insurer.

The file contains:

  • the driver’s license of the subscriber;
  • the identity card of the subscriber;
  • the gray card of the vehicle to be insured;
  • supporting documents to pay for the insurance (in most cases this is a bank account statement).

Insurance guarantees

Insurance guarantees can be defined as the situations provided for by the insurance contract which, if they occur, oblige the insurance company to pay compensation to the insured. Depending on the answers of the insured to the form, the insurer can offer a more or less complete insurance guarantee.

Formula Type Types of warranties included

Third-party insurance This is the legal minimum of protection that provides for the compensation of a third party if he has been the victim of damage, both material and bodily. Third-party insurance applies both to vehicles in motion and to vehicles, not in use.

Intermediate insurance This insurance guarantees the insured in the event of theft or fire of the vehicle. Intermediate insurance can be personalized. As a result, the insurer and the insured can add or remove certain guarantees.

All-risk insurance All-risk insurance is the most comprehensive insurance guarantee. It applies to all types of situations such as vandalism or theft. In addition, all-risk insurance makes it possible to compensate the insured and third parties, even if the insured is the cause of the loss.

  • Additional guarantees the personal guarantee of the driver of the vehicle;
  •  the guarantee providing for losses linked to natural disasters;
  •  third party collision coverage;
  •  the guarantee of legal protection for the benefit of the insured;
  • etc

Beyond the basic formula imposed by law, the subscriber can subscribe to certain guarantees according to his vehicle and the use he makes of it.

Note: The formulas can sometimes include different guarantees depending on the insurers.


Is it possible to insure a car without a gray card?

No! The gray card is one of the mandatory documents to be provided to the insurer for the subscription to an auto insurance contract.

How do you insure a car that is not in your name?

Subscribing to car insurance for a vehicle that you don’t own takes place exactly like any other subscription. You will then have to declare yourself as the main driver or authorized driver.

How to insure a car before buying it?

When you have chosen your vehicle, you have the option of taking out car insurance shortly before the purchase. In all cases, the vehicle is insured by the seller until the moment of transfer and termination of its insurance contract. You can therefore easily subscribe to your insurance directly after the purchase.

By Master James

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