License-free cars (VSP) have been very popular with young professionals for several years. Practical and secure, this mode of travel is accessible from 14 years old. While sales have now multiplied, one of the factors responsible for this boom is none other than the current pandemic situation. Out of vigilance and prevention, more and more French people are opting for individual mobility solutions. If the license is in this specific case optional, is the insurance also optional?
The car without a license, how and for whom?
Presented as a light motor quadricycle, the car without a license or cart is characterized as a four-wheeled vehicle with a closed passenger compartment, the occupancy capacity of which is limited to two people, the driver included. To avoid any excess speed, it has a maximum power of 6kw and does not exceed 45km / h. However, if it is not necessary to hold the license to ride a cart, you must still have the AM license if you were born after January 1, 1988. Equivalent to the BSR (road safety certificate), the AM is issued by a driving school or an approved entity following an 8-hour training course followed over a minimum of two days. To obtain the certificate, you must be at least 14 years old, hold the ASSR1, ASSR2 or ASR according to your academic background, follow practical training and complete a registration file with the prefecture. Before the issuance of the AM license, the certificate of practice monitoring authorizes you to drive a cart for 4 months. The validity of the AM permit is limited to 15 years.
No license but rules yes!
No license does not mean you have no rules to follow. You must remain cautious and apply all traffic regulations. In addition, the cart remains a means of transport like any other and therefore necessarily requires a gray card to be able to be identified. In addition, if the license plate is optional at the front, it must imperatively appear on the rear of the VPS vehicle. As for the registration procedures, they are the same as for a conventional vehicle. Finally, like other motorists, owners of cars without a license are required to subscribe to a Car Insurance, specific to their type of vehicle. While the premium costs for a cart are generally less expensive than those for a conventional car, they depend on your contract, as well as your insurance company. We estimate the average cost of a Back to back insurance “ from a VSP to 600/700 euros per year. The guarantees included in your contract are to be defined according to your needs, however, your cart must be insured with the civil liability guarantee. The driver must, in fact, be insured at least for his responsibility and that of others. Despite a limited speed, VSPs can be a source of accidents and cause serious material damage and / or bodily injury to others. This guarantee therefore makes it possible to compensate third party victims of claims. Finally, unlike a driver holding a classic license, a cart driver cannot benefit from the bonus-malus system, in other words the reduction coefficient and increase.
License-free cars (VSP) have been very popular with young professionals for several years. Practical and secure, this mode of travel is accessible from 14 years old. While sales have now multiplied, one of the factors responsible for this boom is none other than the current pandemic situation. Out of vigilance and prevention, more and more French people are opting for individual mobility solutions. If the license is in this specific case optional, is the insurance also optional?
The car without a license, how and for whom?
Presented as a light motor quadricycle, the car without a license or cart is characterized as a four-wheeled vehicle with a closed passenger compartment, the occupancy capacity of which is limited to two people, the driver included. To avoid any excess speed, it has a maximum power of 6kw and does not exceed 45km / h. However, if it is not necessary to hold the license to ride a cart, you must still have the AM license if you were born after January 1, 1988. Equivalent to the BSR (road safety certificate), the AM is issued by a driving school or an approved entity following an 8-hour training course followed over a minimum of two days. To obtain the certificate, you must be at least 14 years old, hold the ASSR1, ASSR2 or ASR according to your academic background, follow practical training and complete a registration file with the prefecture. Before the issuance of the AM license, the certificate of practice monitoring authorizes you to drive a cart for 4 months. The validity of the AM permit is limited to 15 years.
No license but rules yes!
No license does not mean you have no rules to follow. You must remain cautious and apply all traffic regulations. In addition, the cart remains a means of transport like any other and therefore necessarily requires a gray card to be able to be identified. In addition, if the license plate is optional at the front, it must imperatively appear on the rear of the VPS vehicle. As for the registration procedures, they are the same as for a conventional vehicle. Finally, like other motorists, owners of cars without a license are required to subscribe to a Car Insurance, specific to their type of vehicle. While the premium costs for a cart are generally less expensive than those for a conventional car, they depend on your contract, as well as your insurance company. We estimate the average cost of a Back to back insurance “ from a VSP to 600/700 euros per year. The guarantees included in your contract are to be defined according to your needs, however, your cart must be insured with the civil liability guarantee. The driver must, in fact, be insured at least for his responsibility and that of others. Despite a limited speed, VSPs can be a source of accidents and cause serious material damage and / or bodily injury to others. This guarantee therefore makes it possible to compensate third party victims of claims. Finally, unlike a driver holding a classic license, a cart driver cannot benefit from the bonus-malus system, in other words the reduction coefficient and increase.
