If you are a learner driver or have finally decided to get your licence, then the car you have fallen in love with can be yours. In South Africa, you don’t need to have your driver’s licence to buy a car.
However, just because you can buy a car, you won’t be able to drive it. If you do decide to buy a car before having your driver’s licence then make sure you take someone with you that can drive it home or you will need to organise transport.
You can put the car under your name even if you don’t have licence as you will just need a valid ID.
But before you head to your nearest dealership, there are a few things that you need to know about buying a car without a licence.
Can the Car be Insured?
If you don’t have a driver’s licence then you can’t insure it. Think about it like this, if you can’t legally drive the car, then you can’t get into an accident and therefore won’t need insurance.Another factor to consider is that your insurance premium is partly based on how long you have had your driver’s licence.
However, if the car is a gift for someone else then you can insure it under their name as long as they have a valid driver’s licence.
Cash or Finance?
You can’t get vehicle finance if you don’t have a driver’s licence.
Vehicle finance lenders generally require that a financed car be insured for the term of the loan, so that if an accident does occur they can retrieve part of the debt.
If you don’t have a driver’s licence then you will need to pay cash.
And What if the Licence Disc Has Expired?
If the vehicle licence disk has expired on the car that you are interested in then you should proceed with caution and ask yourself why hasn’t the licence disc been renewed? It could be that the owner didn’t have the money to renew it, but if that is the case then you should question the condition of the car and if they were able to maintain it.
Other reasons that the licence disc hasn’t been renewed is that the car is stolen, it is a re-build or it may have come across the border.
There is also the possibility that you will need to have the re-registered with NATIS, which could be difficult.
You will need to put the car through roadworthy, get a police clearance and get a new microdot application. Even if you get all this done, you may discover that there are outstanding fees to pay and could be liable for a penalty fee.
You can buy a car without a driving licence, but you will need to pay cash for it or have it financed and insured under someone else’s name. If you find a car without a valid licence disc then be careful.
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