In general, most insurance companies will not provide insurance for a vehicle if there is not a licensed driver listed on the policy. Insurance companies want to know who are the risks they are going to insure and want to rate the policy accordingly. Without any licensed drivers listed, they are unable to determine if the people driving the vehicle are large risks or a small risks. Also, there are probably other forms of liability that this type of policy creates that insurance companies do not want to cover. Now, some insurance companies will exclude the named insured - which, in this case, would be the disbled person in the wheelchair - again, as long as there is a licensed driver listed on the policy.

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