I'm intending to test drive a car in the near future which is group 19 insurance (privately, not from a garage). I'm 21 and currently insured 3rd party fire and theft on my current car. the cars owner is insured fully comp on it. Am I covered to test drive that car? If not, what are my options? Thanks!
2007-04-05 13:07:11 · 8 answers · asked by mattsubconscious 1 in Cars & Transportation ➔ Insurance & Registration
Under normal circumstances you are not covered.
Be very wary of driving a car without insurance cover, getting permission from the owner to drive the car does not necessarily mean that you are covered by the owners insurance .
Options:
Sit next to the owner of the car while he drives (cheap + not the best).
Try and get your own for insurance for the test drive ask your current insurer (be warned it may be expensive).
Ask the owner of the car if he can register you as a named driver for the day and come to some kind of financial agreement for paying the extra cost, if the owner is keen to sell then maybe they will not mind.
Option 3 also lets you know how keen the current owner is to sell and may give you some bargaining options if you decide that you wish to buy.
Good Luck
2007-04-05 16:15:39 · answer #1 · answered by g_a_n_d_al_f 2 · 0⤊ 0⤋
Your insurance will not cover you. Even if you had fully comp and there was a clause allowing you to drive other peoples' cars, it would only be third party cover and, these days, in an emergency only.
Seems to me there's two alternatives : either ask your company if it will insure you for one day on the car you're interested in (unlikely), or ask the owner to have you added to his cover for the occasion.
2007-04-05 22:12:00 · answer #2 · answered by champer 7 · 0⤊ 0⤋
Be very very careful. You would be covered if the seller had you on his insurance as a named driver (Unlikely) You could be covered if you had fully comp insurance on your own car, but beware this normally only covers you third party to drive another car unless you have a motor trader policy.
If you only have third party on your own car you will not be insured...its no good being wise after the event..If its group 19 insurance I presume its not a little family run about and so must be worth a bit...don't risk it...
2007-04-05 21:13:29 · answer #3 · answered by Knownow't 7 · 1⤊ 0⤋
You will be covered 3rd party only as long as you have a car insured and the vehicle in question has fully comp. Just dont bash it mate :-)
2007-04-05 22:31:37 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Before you drive you must either have your own insurance certificate with the wording "The policyholder may also drive any other vehicle not belonging to him or hired to him under a hire purchase agreement &c" OR have seen the sellers certificate with "any driver" shown in the persons allowed to drive section. Note the cover may be 3rd party only, so don't bend it, and if you buy it the instant it becomes yours you need your own insurance naming that vehicle. (that is don't try, buy, and drive away immediately, as the any vehicle/any driver bits stop as soon as the car changes hands)
2007-04-05 21:03:53 · answer #5 · answered by The original Peter G 7 · 0⤊ 0⤋
If I were you I would only drive it for a bit on a quiet country lane.
Let the owner drive it round on a long test drive, it will give you just as much of an idea of how it runs and you can concentrate on listening for problems.
2007-04-06 18:02:09 · answer #6 · answered by Anonymous · 0⤊ 0⤋
you're nice using without coverage on a private driveway yet in case you've been to force on deepest land it extremely is for sale by technique of the customary public (as an celebration a food market automobile park) then you ought to choose coverage (it is a few thing that extremely some human beings do not realize).
2016-12-03 08:55:35 · answer #7 · answered by genna 3 · 0⤊ 0⤋
You will not get a better answer than that one from grand
2007-04-06 06:30:18 · answer #8 · answered by Mick 4 · 0⤊ 0⤋