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Thread: Trying to buy a car but need to test drive first, but it has no insurance.....

  1. #1
    Full Member Vaux-Man-G's Avatar
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    Default Trying to buy a car but need to test drive first, but it has no insurance.....

    As the title says folks, im going to look at a car for the wife in a couple of days and will try to thrash out a deal, but as always you cannot buy a car without a test drive first, but the said car has no insurance and has been standing SORN....however I am covered fully comprehensive on my own car and am a named driver on 3 other policys.

    Where do I stand?

    I am quite prepared to show the other party my documents but they dont want me to test drive it even though they know full well I have been driving for near 12 years hassle free, etc etc.

    How can I buy a car from a private seller without a test drive?

    Am I insured and where do I stand with regards to a test drive?

    Any comments welcome chaps.

    Thanks.


    Bye bye Vec B
    - Hello Siggy!

  2. #2
    Regular Member lee gsi's Avatar
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    Default

    The car needs to be insured.

    Your insurance would just cover you 3rd party.

    Only way I can see is to ring your insurance and tell them the situation as I know Adrian Flux will add a car temporally. They did this for me so my main car was still insured and I could drive my new car home and off then take it off the road whilst I sorted a few bits and then sold my other car.

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    Full Member Vaux-Man-G's Avatar
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    But will they charge me to add the car on a temporary basis?


    Bye bye Vec B
    - Hello Siggy!

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    Regular Member ChrisBilly's Avatar
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    There's temporary cover websites like http://www.tempcover.com that charge around £40 for 24 hours, but the car has to be taxed and mot'd. As said call your insurance to check the situation and maybe call DVLA 01792782341

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    Regular Member fifesri's Avatar
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    If its SORN it cant be used on the road as far as I know

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    Regular Member lee gsi's Avatar
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    Quote Originally Posted by Vaux-Man-G View Post
    But will they charge me to add the car on a temporary basis?
    Not for insuring it for 1 day (Well they didnt for me)

  7. #7
    Regular Member RobW's Avatar
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    This is such a common mis-understanding with insurance. Just because you are FC on your own car, it does not automatically cover you to drive any vehicle. You have the policy on your vehicle, not yourself - i.e. the insurance policy is on the vehicle you have insured. Annoys the crap out of me!

    Some policies will allow you to drive any car 3rd party as part of your cover but that is just basic cover, main point being the car you are driving has to have a valid insurance policy on it.

    If you are not able to drive the car before doing a deal, walk away and find another one. Getting caught with no insurance is bad. What if you crash into another car and kill someone with no insurance. God help you then!

    Only way to drive it would be on non-public roads but you are not going to get a proper feel for the car on a runway IMO.

  8. #8
    Regular Member gtr1000's Avatar
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    Quote Originally Posted by RobW View Post
    main point being the car you are driving has to have a valid insurance policy on it.

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    Full Member Vaux-Man-G's Avatar
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    Right, this is an odd one. I have just ran my insurance company and the adviser said to me that I am insured to drive any other car (even if it uninsured elsewhere) under my own cover, providing I have the owners permission. I asked him to put it in writing and he said that all calls are recorded but it is stated somewhere on my policy, I will have to go and check this tonight.

    Insurance should do a test drive cover!!!


    Bye bye Vec B
    - Hello Siggy!

  10. #10
    Ex-Staff Full Member John LE's Avatar
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    But the car is sorn'd, unless its taxed you'll still be breaking the law

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