Warning apparatus, warning server, warning system, and automobile

The warning apparatus (120) has a receiving unit (121) for receiving driver's information from a memory device, a memory unit (123) for storing automobile insurance information, a determining unit (126) for determining if driver is an insurant based on the driver's information and automobile insurance information, and a warning unit (127) for warning the driver not to drive when the driver is not an insurant. Independent claims are also included for the following: (a) a warning system; and (b) an automobile.