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Discussion Starter · #1 ·
Question? does anyone know if Rivian requires "proof of insurance" on the truck even if it's a CASH sale?
My R1T should be here in about 4-5 months hopefully.
I Just need to plan if it's required. I talked via "chat" w/rivian and the person didn't know.
PS: can't really see how they could, there will be no lender, it will be a cash sale
thanks, Glasply
 

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I believe they are required to make sure you have insurance to legally drive it after purchase? I may be wrong, but I thought that was the case here in CA. But in any case you obviously need it to drive it on pickup.
What my guide told me was to hold off on that insurance step until I know when I’ll be picking it up.
 

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In nearly all cases, yes. Insurance is typically required for public road transfer or if no insurance from a carrier, then insurance via a bond posted with the state.
Also, I figure Rivian doesn't want to be on the hook during delivery either.
 

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Insurance is required, I believe people posted this as steps in the process. Rivian provides the VIN you provide proof of insurance. What you do after you take delivery is up to you
 

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People get this confused fairly regularly. Yes you need proof of insurance - however, it does not need to be for the specific vehicle. They just need to legally make sure that you are insurable.
 

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People get this confused fairly regularly. Yes you need proof of insurance - however, it does not need to be for the specific vehicle. They just need to legally make sure that you are insurable.
that make perfect/better sense to me. I have current insurance cards for all our vehicles, I'll just scan my card for my Honda Ridgeline and submit it thru the 8 step finalization plan with Rivian. Hope that works...
 

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People get this confused fairly regularly. Yes you need proof of insurance - however, it does not need to be for the specific vehicle. They just need to legally make sure that you are insurable.
That’s been true with other purchases I’ve made…. But Rivian was quite clear that I had to submit proof of insurance with the R1T VIN explicitly listed.

was not a big deal. Literally did it on my insurance companies website and got a new declarations page in under 5 minutes.
 

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Discussion Starter · #11 ·
Unless something changed recently, I had to submit proof of insurance to the VIN assigned to me before I could pickup the truck. I paid for it in full, no financing.
Not sure if this makes any difference? but the email said the R1T would be delivered to my house. I won't need to drive to their service center to get it. I live in the Pacific NW, 30 miles north of Seattle
Well see what happens... :)
 

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Question? does anyone know if Rivian requires "proof of insurance" on the truck even if it's a CASH sale?
I really don't know why you think that a "CASH sale" has anything to do with insurance. I assumed your state had some extremely lax insurance requirements. But now that I know you live in WA, I understand the question even less.

Insurance is required by law for the protection of OTHERS - not to cover your losses, not to cover your bank's losses, but to cover damage you might cause to other people and/or their property.


In WA you are required to have insurance when you operate a vehicle on public streets. And because technically you are purchasing this vehicle in the State of Illinois and then transferring the title to Washington, Illinois laws (which I am not familiar with) also come into play here. While I guess it's possible to not need insurance in some tiny fringe case where you buy a vehicle and it never leaves your property, this has nothing to do with whether it's a cash sale or financed.

Regardless, Rivian requires you to have insurance on that VIN when it is delivered. You can get the insurance the day before delivery then cancel if that's what you're looking to do - once it's delivered Rivian doesn't care any more.
 

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Question? does anyone know if Rivian requires "proof of insurance" on the truck even if it's a CASH sale?
My R1T should be here in about 4-5 months hopefully.
I Just need to plan if it's required. I talked via "chat" w/rivian and the person didn't know.
PS: can't really see how they could, there will be no lender, it will be a cash sale
thanks, Glasply
You do need it and it does need to be for your vehicle and have the right name. I wired cash and bought it with my company and they requires the company name on the insurance card, not mine. Just sent it again today to get my plates.
 

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Discussion Starter · #15 ·
I really don't know why you think that a "CASH sale" has anything to do with insurance. I assumed your state had some extremely lax insurance requirements. But now that I know you live in WA, I understand the question even less.

Insurance is required by law for the protection of OTHERS - not to cover your losses, not to cover your bank's losses, but to cover damage you might cause to other people and/or their property.


In WA you are required to have insurance when you operate a vehicle on public streets. And because technically you are purchasing this vehicle in the State of Illinois and then transferring the title to Washington, Illinois laws (which I am not familiar with) also come into play here. While I guess it's possible to not need insurance in some tiny fringe case where you buy a vehicle and it never leaves your property, this has nothing to do with whether it's a cash sale or financed.

Regardless, Rivian requires you to have insurance on that VIN when it is delivered. You can get the insurance the day before delivery then cancel if that's what you're looking to do - once it's delivered Rivian doesn't care any more.
I was not going to mention it on this forum but my whole point for asking this question is… I am going to give the R1T away as a surprise gift to a family member. Thought I would try to avoid purchasing insurance because I'm not going have it but only for a couple days.
 

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I was not going to mention it on this forum but my whole point for asking this question is… I am going to give the R1T away as a surprise gift to a family member. Thought I would try to avoid purchasing insurance because I'm not going have it but only for a couple days.
Insurance should be pro-rated. The premium to cover the R1T for a few days/weeks should be minimal. Personally, I'd have full coverage, as the cost is so low for such a short period of time... But if you really want to get it bargain-basement, just add state-minimum liability-only and call it a day.
 

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I was not going to mention it on this forum but my whole point for asking this question is… I am going to give the R1T away as a surprise gift to a family member. Thought I would try to avoid purchasing insurance because I'm not going have it but only for a couple days.
That's a good reason! I still think Rivian is going to require you to have the insurance until you transfer the title to your family member. With my insurance I can call them up and add the vehicle same day, or tell them the effective start date, then call them up a few days later to remove the vehicle. That also might make your trip to the DOL to transfer the title to your family member a little easier since they will probably ask for your proof of insurance. I did a similar transfer a few years ago and it was quick and easy. I found it was easier to go to the DOL and let them give you all the necessary forms etc. rather than trying to figure all that out from the website and hoping you sent in all the right papers. The DOL took less than 30 minutes total.
 

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Proof of insurance on my specific VIN was required in order for the delivery specialist to release the vehicle to me. From the Rivian agent:

Yes, the upload would be to complete the purchase process. The delivery team won't deliver the vehicle unless they can see that there is a policy set up for the Rivian effective the delivery date. This is mainly due to our title & registration process. We send in a packet of documents to the State's DMV to register the truck for you. They won't send those documents without proof of insurance included.
FWIW I'm in Washington state, but I don't think that's a factor.
 

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Question? does anyone know if Rivian requires "proof of insurance" on the truck even if it's a CASH sale?
My R1T should be here in about 4-5 months hopefully.
I Just need to plan if it's required. I talked via "chat" w/rivian and the person didn't know.
PS: can't really see how they could, there will be no lender, it will be a cash sale
thanks, Glasply
I just connected my insurance agent with my Rivian guide a few weeks in advance of delivery and they took care of the details. Rivian did delay the delivery a few days while they sorted out insurance details, so it would seem like insurance was required. Plus they delivered the truck with dealer plates that remained on for a few days so for sure they needed proof of insurance before they let me drive around with their plates....
 
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