Vehicle Finance

[RVS]

I would like to buy a car but do not have a license as yet. The banks however, require the applicant of the finance to be in posession of a drivers license. Clearly I will not be the driving without a license, but merely owning the vehicle which will be insured with my fiance as the licensed driver (as he will be using the car). If the car can be insured fully - is there still a risk for the bank? Even if it is not, the individual is still liable for all the payments.
Is there anyway around this, when one qualifies in one way and your partner in another? They claim that there is no guarantee that it will not be used by an unlicensed individual - but this is true with all vehicles...
Is it possible to have a special contract with the financial institution, stating liability regardless of what may happen to the vehicle?