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Thread: How to 'legally' test drive a car?

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    Regular Member chrisf70's Avatar
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    Default How to 'legally' test drive a car?

    I haven't purchased a car from a private owner for a long, long time and back then it didn't really matter who had insurance to drive what and most policies covered you to drive anything 3rd party.

    I'm going to see a car tonight, which is a private seller. I've looked on the insurance database and it isn't covered at present. He's purchased another daily driver, hence why this is for sale.

    I didn't ask last night on the phone re: arrangements for a test drive. But I rang my insurance NU Direct and they tell me that even though I have a fully comp policy they don't cover me to drive anything else on test drives. So if the seller doesn't have insurance, and I don't have cover what can I do for a test drive?

    If the seller even lets me drive it on the road then I don't really want to incase I'm stopped by the police for no insurance, or I have a bump (with the current conditions not unlikely!) and end up having to pay for a wreck!

    What do others do in this situation? Cheers.

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    Regular Member Blagmeister's Avatar
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    Get the car details - reg no. model etc from the vendor [you may need to explain why to him but he should have no objections] and ask your Insurance company to give you one days cover for the day you are to go look at the vehicle and test drive it. They might not like it but they would be hard pressed to give you a reason not to comply. If they categorically won't do it, then I suggest you look for a new insurance company. This sort of thing happens all the time so they shoudn't object.

    Normally a fully comp policy will cover you for any other car 3rd party, and it should specify the limitations in your policy schedule. Them saying that you are not covered for the purposes of undertaking a test drive prior to purchase seems a bit odd to me. It's not like you are pace-making or rallying or anything.

    Anyone else throw any light on this?

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    ive used this company befor very easy and cheep http://www.insuredaily.co.uk/?gclid=...FYU-3god5mXG1Q

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    Regular Member steve1975l's Avatar
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    Do you know any mechanics that have a traders policy. I am they can look over it for you as well, give them a drink for their trouble.

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    Regular Member chrisf70's Avatar
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    Quote Originally Posted by Blagmeister View Post
    Get the car details - reg no. model etc from the vendor [you may need to explain why to him but he should have no objections] and ask your Insurance company to give you one days cover for the day you are to go look at the vehicle and test drive it. They might not like it but they would be hard pressed to give you a reason not to comply. If they categorically won't do it, then I suggest you look for a new insurance company. This sort of thing happens all the time so they shoudn't object.

    Normally a fully comp policy will cover you for any other car 3rd party, and it should specify the limitations in your policy schedule. Them saying that you are not covered for the purposes of undertaking a test drive prior to purchase seems a bit odd to me. It's not like you are pace-making or rallying or anything.

    Anyone else throw any light on this?
    I asked Norwich Union if there was any temporary cover I could have and they said only if I was the registered keeper/owner of the car!

    They told me that their policies don't allow the 3rd party cover on other cars! Not happy with them!

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    Regular Member FuzzyOne's Avatar
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    eCar allow you to get short term cover for stuff like this, http://www.ecarinsurance.co.uk/

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    Regular Member chrisf70's Avatar
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    Quote Originally Posted by gregc View Post
    ive used this company befor very easy and cheep http://www.insuredaily.co.uk/?gclid=...FYU-3god5mXG1Q
    Thanks, that looks just the ticket. £18 for 24hrs insurance. Cheers

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