If you have a license but you do not drive or own a car or have insurance will insurance companies consider it a gap in coverage when you do apply for insurance?

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Insurance companies vary in their underwriting rules - generally you would be considered a "first time insured" and that means you pay higher premiums. Some companies give new drivers a break, providing that they have taken a Driver Training course and can provide the certificate of completion. Have you ever been listed on someone else's policy? If so, that would help you.

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