The gray card is one of the essential documents to be able to drive, along with the driving license and insurance. How to insure your vehicle without a registration certificate?
Valid for life, the gray card contains all the information relating to the car and its owner. This document is mandatory to be able to drive a vehicle, as specified in the Highway Code. Can we insure a car without a gray card? Explanations.
The
gray card, mandatory to take out car insurance
The registration certificate contains several pieces
of information concerning the vehicle and its holder:
· The
name and address of the holder of the gray card;
· The
license plate of the vehicle;
· The
characteristics of the vehicle;
· The
compliance of the car with regulatory technical requirements;
· The
date of first circulation.
In France, all motorized land vehicles must have a
gray card. Indeed, this document attests to the possibility of free circulation
on the public highway. The law also requires the driver to insure his vehicle.
To take out car insurance, he must provide: the definitive registration
certificate, a copy of the valid driving licence, a statement of information
(document provided by the insurer on which the previous claims or the reduction
coefficient appear) increase).
In fact, it is not possible to insure a car without a
registration document. Indeed, the registration certificate is one of the three
mandatory documents to insure a classic vehicle. For cars without a license, it
is even the only proof requested by insurers. Similarly, insuring a car without
having a license is not an option.
Insure
a car with a gray card that is not in your name
If the driver cannot insure his car without a
registration document, he has the option of insuring it in the name of another
person. However, although this practice is perfectly legal, insurers are still
reluctant to respond to this type of request.
In this case, it is essential to inform the insurance
company of the desire to differentiate the insured from the holder of the gray
card. The insured then has three options:
· Be
insured as the main driver for a vehicle on behalf of another person;
· Be
insured as a secondary driver on the main driver's insurance contract;
· Use
the vehicle as an occasional driver, in which case it does not have to be
declared on the car insurance contract.
If the insurer agrees to insure a vehicle that is not
in your name, you will benefit from all the guarantees provided for in the
contract in return for payment of the insurance premium. Depending on the
frequency of use of the vehicle, it is possible to opt for a third-party,
third-party + or all-risks contract. Do not hesitate to compare the offers
online to make the right choice according to your needs and your budget. It is
advisable to make at least three free and non-binding quote requests before
making a final choice.