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. Do i need test drive insurance. You generally do not need insurance to test drive a car. This is normally third party only. 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.
The survey s next interesting finding suggests 12 of drivers would take the risk and drive without any insurance for a test drive. 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. For most states your personal auto insurance covers your vehicle and a dealership s car is covered by their insurance policy meaning if you get into an accident while test driving a car at the dealership it ll most likely be covered by their insurance. That is unless required by the dealership.
Yes you do need insurance for 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. Do i need test drive insurance for a private sale. 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.
Buying a car is a major financial decision and a test drive could help you decide whether a particular car is right for you. 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. 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. If you are test driving cars privately you will still need insurance.
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. But you have several ways of getting insured in this particular scenario. 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. You could ask the car s current owner to add you to their existing policy.
If you re selling a car privately you ll want potential buyers to be covered to drive your 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.
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