can you buy a car insurance when you haven’t yet acquired a driver’s license?

Transportation, Travel and Trips
1
i know this sounds kinda clumsy, but please hear out the story:

a friend of mine hasn't yet had a valid driver’s license, and wants to take driving lessons from now on. Recently he found a pretty attractive offer for a second hand car and bought it impulsively. He plans to use it to practice for his lessons.

now he asks me to do him two favors:

1) to drive the car home for him

2) since he needs a car insurance to apply for the control plate, but he tells me he is not allowed to buy one because he has no driver’s license (the reason is obvious). the only way to get an insurance is he applies the insurance and adds me as a frequent driver (haeufiger fahrer), so that from the point of view of the insurance company, at least one license holder is driving the car.

i wanna offer him the favor, but i also don't want to get myself into any troubles. Could somebody kindly tell me whether i am safe enough? (for instance if there is a traffic accident, my own driver’s license will not be forfeited, or the credibility of my own insurance is not jeopardized, etc.)

or is there a better way to handle the situation? i mean the car has been laid in the garage for quite a while, it has to be moved from there to my friends place by whatever manner.

(sorry i am not sure if the question fits more here or the board "insurance", thanks)

2
As long as the car will be registered and insured under his name I don't see why you should be at risk to be liable or responsible for anything. (Except for the worst case, i.e. you crashing his car on the way home )

Honestly, I don't even see why you should be listed as a frequent driver for one single trip unless the insurance company/agent wants it that way because of this rather unusual situation.

3
Sure you can, they are two differnet things, but insurance for a learner driver will be heavy, like very heavy

4
Yes you can do it, and no, the insurance won't be more, just 100%.

My daughter's motorcycle license is like this (she still doesn't have her license, hopefully in the next months).

Here, the vehicle is insured, not the driver.

Tom

5
Can you not just go to the "Strassenverkehrsamt", and get temp. license plates (Tagesschilder) in your own name to get the car home, and then return them when the car is home ?

http://www.stva.zh.ch/internet/siche...s/KStages.html

Doc.

6
thx all for the answers.

@mark75:

the reason why i am listed as the main driver is that is the only way to get an insurance, because the company refuses to grant the insurance who has no license.

@doctor:

the Tagesschilder thing sounds useful. but as long as the orignal proposal from my friend induces no risk on me, i prefer sticking on it, because i dont like to spend more time of my own on this, it is after all his own car and own business. but thank you anyway.

just out of curiosity:

how does the insurance company finds out who is the real main driver? i have been holding my license for over ten years, i assume it is a lot cheaper to register me as the main driver than a rookie driver as my friend, even if he is able to get the insurance by himself.

7
They don't. Again, it is the vehicle that is insured, not the driver. The vehicle is insured in the name of the owner, regardless of who drives it.

Is your friend Swiss? Perhaps it is different if one is not.

Tom