Coverage & Claims

If the driver is not licensed, does it affect their ability to file a claim?

Most insurance companies do have access to a driver's background when they quote and insure them. Not having a driver's license is usually an issue for insurers but it's not impossible to find insurance for an unlicensed driver, and that seems to be the case in this situation.

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Eligibility

Can I still get car insurance if I'm not licensed and can't drive?

What you would need to do is have a policy written in your name, add the person who drives you around, and have yourself excluded from the policy. So the policy would basically be yours but you aren't covered as a driver so you shouldn't impact the rate as a driver.
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