Anyone can get insurance for anything.Anyone can buy a car or motorcycle without a drivers license.Anyone can get financing for anything.As long as they are of legal age to enter into a legal and binding contract.Otherwise a parent or legal guardian has to cosign it.It's not the responsibility of agencies to regulate how you use those items.Anyone can buy home owners insurance.It's illegal to use that house to sell drugs out of, or use it as a brothel.But if the house were to burn down, the insurance company might have legal rights to deny your claim.Same with auto insurance.Anyone can buy auto insurance and let someone else drive it.If you were to get into an accident without a drivers license, the claim can be denied depending on the insurance company's police of handling such claims.