Is a non licensed driver insured?

Typically, a non-licensed driver is not insured under an insurance policy. For a driver to be insured to operate a vehicle, he or she needs a valid driver's license and the insurance policy has to specifically insure the driver. If a non-licensed driver operates an insured vehicle, the damages resulting from an accident may not be covered by the policy, leaving the driver and the vehicle owner on the hook for their actions.