Do You Need Car Insurance To Test Drive
If you re selling a car privately you ll want potential buyers to be covered to drive your car.
Do you need car insurance to 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. You generally do not need insurance to test drive a car. 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. 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.
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. 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. 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 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. This is normally third party only. Do i need test drive 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.
You could ask the car s current owner to add you to their existing policy. Or anytime you get behind the wheel of a car on public roads for that matter. That is unless required by the dealership. 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.
Do i need test drive insurance for a private sale. Yes you do need insurance for a test drive. But you have several ways of getting insured in this particular scenario. If you re buying a car privately it s important you have the right cover before taking a test drive.
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 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.
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