Insurance For Test Drive Private Sale
Suncorp comprehensive insurance customers can make a claim if a buyer has an accident while test driving their vehicle for the purpose of a sale but only if the.
Insurance for test drive private sale. 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 guy who brought my rs4 didn t insist on a test drive he was more than happy for me to drive the car. 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. If you are test driving cars privately you will still need insurance.
Setting up who will join you on the test drive. When you re asked about test driving your used car for a private sale you re also lending that person your insurance. If you re test driving as part of a private sale you ll need to check you re insured to test drive the car. This can help you avoid a lot of headaches.
Protecting your car and your insurance during a pre sale test. The golf buyer asked to drive the car round a car park to check the steering brakes etc. It also gives you ironclad reasons for prohibiting solo test drives. Your car insurance should specify that you can drive another car with the owner s permission.
Make sure you keep these things in mind. Making sure your car insurance covers other drivers. This is normally third party only. Do i need test drive insurance for a private sale.
If it doesn t the seller might be able to extend their own insurance to cover any test. Be on your guard and check all appropriate paperwork. Before inviting buyers over to test drive your vehicle speak to your insurance provider and find out if you are covered in the event of an accident with someone else behind the wheel. A private sale can be financially attractive for both parties but you need to know what you re doing.
If not be sure to ask the potential driver to bring along a copy of their own insurance policy for the test drive. Don t risk years of higher insurance premiums because someone who was driving your car should not have been. Read your policy beforehand to make sure it will cover other drivers in an accident. This will help you avoid a lot of headaches.
Test drive insurance rac temporary insurance offers short term cover for drivers looking to test drive a vehicle. However that person s own auto insurance does not cover liability or damage on a test drive and you cannot buy additional coverage or a rider for this type of situation.
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