Private examination drive (UK) - how does insurance work?
I'm intending to test drive a car within the near future which is group 19 insurance (privately, not from a garage). I'm 21 and currently insured 3rd deputation fire and theft on my current car. the cars owner is insured fully comp on it. Am I covered to check drive that car? If not, what are my options? Thanks!
Answers:
Your insurance will not cover you. Even if you had fully comp and there be a clause allowing you to drive other peoples' cars, it would only be third party cover and, at the moment, in an emergency only.
Seems to me there's two alternatives : any ask your company if it will insure you for one day on the car you're interested within (unlikely), or ask the owner to have you added to his cover for the occasion.
If I were you I would individual drive it for a bit on a quiet country lane.
Let the owner drive it round on a long test drive, it will make a contribution you just as much of an idea of how it runs and you can concentrate on listen for problems.
You will not get a better answer than that one from grand
What I would do is enjoy the owner drive you to a secluded location without any roadside hinderances or hazard...a virtually unused country road or large vacant parking lot. Albeit you might not be technically covered, even beside minimal driving skills you should have a very low revise of getting into an altercation or accident and still be able to determine the "feel" of the motorcar you intend to purchase. Source(s): adjectives sense
Under conventional circumstances you are not covered.
Be very wary of driving a motor without insurance cover, getting permission from the owner to drive the motor does not necessarily mean that you are covered by the owners insurance .
Options:
Sit next to the owner of the vehicle while he drives (cheap + not the best).
Try and get your own for insurance for the test drive ask your current insurer (be warn it may be expensive).
Ask the owner of the car if he can register you as a named driver for the time and come to some kind of financial agreement for paying the extra cost, if the owner is keen to get rid of then maybe they will not mind.
Option 3 also let you know how keen the current owner is to sell and may hand over you some bargaining options if you wish that you wish to buy.
Good Luck
Before you drive you must either enjoy your own insurance certificate with the wording "The policyholder may also drive any other vehicle not belonging to him or hired to him below a hire purchase agreement &c" OR have seen the seller certificate with "any driver" shown within the persons allowed to drive section. Note the cover may be 3rd get-together only, so don't bend it, and if you buy it the instant it becomes yours you want 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 change hands)
You will be covered 3rd party only as long as you hold a car insured and the vehicle in query has fully comp. Just dont bash it mate :-)
Be greatly very careful. You would be covered if the street trader had you on his insurance as a named driver (Unlikely) You could be covered if you have fully comp insurance on your own car, but beware this normally merely covers you third party to drive another car unless you own a motor trader policy.
If you only have third gala on your own car you will not be insured...its no good individual wise after the event..If its group 19 insurance I presume its not a little clan run about and so must be worth a bit...don't risk it...
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Answers:
Your insurance will not cover you. Even if you had fully comp and there be a clause allowing you to drive other peoples' cars, it would only be third party cover and, at the moment, in an emergency only.
Seems to me there's two alternatives : any ask your company if it will insure you for one day on the car you're interested within (unlikely), or ask the owner to have you added to his cover for the occasion.
If I were you I would individual drive it for a bit on a quiet country lane.
Let the owner drive it round on a long test drive, it will make a contribution you just as much of an idea of how it runs and you can concentrate on listen for problems.
You will not get a better answer than that one from grand
What I would do is enjoy the owner drive you to a secluded location without any roadside hinderances or hazard...a virtually unused country road or large vacant parking lot. Albeit you might not be technically covered, even beside minimal driving skills you should have a very low revise of getting into an altercation or accident and still be able to determine the "feel" of the motorcar you intend to purchase. Source(s): adjectives sense
Under conventional circumstances you are not covered.
Be very wary of driving a motor without insurance cover, getting permission from the owner to drive the motor does not necessarily mean that you are covered by the owners insurance .
Options:
Sit next to the owner of the vehicle while he drives (cheap + not the best).
Try and get your own for insurance for the test drive ask your current insurer (be warn it may be expensive).
Ask the owner of the car if he can register you as a named driver for the time and come to some kind of financial agreement for paying the extra cost, if the owner is keen to get rid of then maybe they will not mind.
Option 3 also let you know how keen the current owner is to sell and may hand over you some bargaining options if you wish that you wish to buy.
Good Luck
Before you drive you must either enjoy your own insurance certificate with the wording "The policyholder may also drive any other vehicle not belonging to him or hired to him below a hire purchase agreement &c" OR have seen the seller certificate with "any driver" shown within the persons allowed to drive section. Note the cover may be 3rd get-together only, so don't bend it, and if you buy it the instant it becomes yours you want 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 change hands)
You will be covered 3rd party only as long as you hold a car insured and the vehicle in query has fully comp. Just dont bash it mate :-)
Be greatly very careful. You would be covered if the street trader had you on his insurance as a named driver (Unlikely) You could be covered if you have fully comp insurance on your own car, but beware this normally merely covers you third party to drive another car unless you own a motor trader policy.
If you only have third gala on your own car you will not be insured...its no good individual wise after the event..If its group 19 insurance I presume its not a little clan run about and so must be worth a bit...don't risk it...
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