Do You Need Car Insurance To Test Drive
Or anytime you get behind the wheel of a car on public roads for that matter.
Do you need car insurance to test drive. If you re buying a car privately it s important you have the right cover before taking a test drive. In fact if the dmv required you to provide proof that the insurance was in your name it would go against their requirements that say that a car s insurance and registration need to match each other. That is unless required by the dealership. You do not need insurance ahead of time to test drive a car at a dealership and you do not need full coverage to test drive a vehicle but it is highly recommended to comparison shop auto insurance rates prior to going to the dealership because you may not find the best rates with the dealership s preferred auto insurance partners.
Do i need test drive insurance for a private sale. But you have several ways of getting insured in this particular scenario. Check your own car insurance you are looking for the words on the policy that says you can drive another car with the owner s permission. If you do get into an accident the dealership s coverage will ensure that their vehicle is properly repaired and depending on the circumstances will cover other vehicles that are involved as well even if the accident was your fault.
This is normally third party only. Do i need test drive insurance. Just 11 2 of respondents said they would contact their existing insurer to extend their coverage for a test drive while 8 7 said that they d take out temporary insurance to cover them specifically for the test drive. Buying a car is a major financial decision and a test drive could help you decide whether a particular car is right for you.
The survey s next interesting finding suggests 12 of drivers would take the risk and drive without any insurance for a test drive. If you re testing in a car that you re familiar with but you don t own you can t be expected to have insurance on the car in your own name. Although you can be added onto the seller s private insurance it is a long process that can incur fees and will affect their no claims bonus if there is an accident. You could ask the car s current owner to add you to their existing policy.
Dealers will have special cover in place but there s a good chance you won t be covered if you test drive a car sold privately. If you are test driving cars privately you will still need insurance. If you test drive a vehicle from a licensed car dealership you will not have to be concerned in terms of insurance coverage. You generally do not need insurance to test drive a car.
If you re test driving as part of a private sale you ll need to check you re insured to test drive the car. If you re selling a car privately you ll want potential buyers to be covered to drive your car.
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