Temporary insurance for a driver's license-free vehicle: what you need to know

Do you use a moped (also called a light motor vehicle) for occasional trips? Whether for a test drive, a loan, or a limited period of use, temporary insurance can be a perfect solution. This article explains why this option is useful, what the conditions and guarantees are, and how to easily subscribe with KT Tempo.

What is a permit-free car and why should you insure it temporarily?

A car without a license is a "road vehicle" that circulates on public roads without the driver holding a standard B license — often registered in the light quadricycle category (VSP). Insurance is mandatory , even for these light vehicles.
Temporary insurance involves subscribing for a limited period (a few days to a few months) to cover occasional use, rather than committing to an annual contract.

Typical usage contexts where temporary insurance is relevant

• Purchase of a driver's license-free vehicle, followed by limited use before registration or regular use.
• Lending or renting the stroller between individuals for a few days or weeks.
• Seasonal or occasional use: holidays, occasional trips, second car.
• Transit or temporary use while waiting for a standard contract to be put in place.
• Test or trial use of the light vehicle without a license before a longer-term commitment.

Conditions to be met to take out temporary VSP insurance.

• The vehicle must be registered (with a registration certificate) as a car without a driver's license.
• The driver: often requires a category AM/BSR license if born after 1988 for a car without a license.
• The duration of the contract must correspond to the intended use: from 1 day to a few months depending on the insurer.
• Documents to provide: vehicle registration certificate, proof of identity, intended use, and sometimes proof of residence.

Key guarantees to check and specific features of this plan.

• Third-party liability (TPL) : the legal minimum for driving.
• Theft / fire / material damage: depending on the use and value of the stroller.
• Possible deductible: some temporary insurance policies offer advantageous rates but with a higher deductible.
• Geographical conditions / usage: verify that the intended use (loan, rental, occasional use) is covered.
• Specific pricing for small cars: occasional use = more flexible premium. Example: a temporary offer for a car without a license often starts around a few euros/day.

Why choose KT Tempo for your temporary insurance for a driver's license-free vehicle?

• 100% online subscription , fast and simple, tailored to this type of vehicle.
• Clear pricing and flexible duration (1 to 90 days depending on usage).
• Immediate certificate that you can present in case of inspection.
• Offer suitable for occasional or limited use, to avoid paying for an annual contract when it's not necessary.

Conclusion

If you need to insure a moped without a license for a limited period, temporary insurance is both a legal and economical solution. It allows you to be covered only for the useful duration, without a long-term commitment. With KT Tempo, you access a flexible, adaptable and quick-to-subscribe-to plan.