If you are test driving a car you will need
Test driving a car we may want to buy is absolutely
essential, and for that we need insurance.
Most of we motorists, probably mistakenly, think
that we know a few things about cars, and we can tell the difference
between a super bargain and a pile of steaming junk. Even so, it is
difficult not to feel apprehensive when going to buy a second-hand car,
particularly from a Private Seller, because it is so easy to get sold a
duff one. Certainly we can take a good look at it and be driven around
in it by the owner, but there is no substitute for sitting in the car
our selves and taking it for a test drive.
Although this sounds fairly simple there are all sorts of complications,
not least of all the question of insurance. Even if the vendor is
willing to let you take the car for a spin round the block, with or
without himself in the passenger seat, there is the ever present danger
that in an unfamiliar car you could have even the slightest of accidents
which could still cause hundreds of pounds worth of damage to the
vehicle. You may think that this would be covered by your fully
comprehensive car insurance on your old car, but you would be mistaken.
There are indeed a number of insurance companies which extend cover to
vehicles that are not belonging to the policyholder; but these almost
inevitably cover third-party only risks, which means that if the car was
involved in a bump whilst you were driving at the insurance company
would pay for any damage or injury that you caused to other people, but
not to the car that you were driving or any occupants! This could make a
vendor extremely reluctant to allow you to have a test drive.
Looking at it from your point of view, it is one thing being driven
around the block by someone else but a different thing altogether when
you can sit in the driver's seat and take it for a spin, and find out
how it accelerates, how good the steering is, how well the brakes work
There is an answer to this. When you go to look at a car that you are
seriously thinking of buying you are contemplating an investment of, at
the very least, hundreds and possibly thousands of pounds. Is it not
worth your while phoning the vendor to find out the car's registration
details, and then arranging a single day's fully comprehensive insurance
on it? You will be showing to the vendor that you are a serious
potential purchaser, and you will be giving yourself the chance to
legally take the wheel and satisfy yourself that the car is the right
one for you. It would cost you a little money, but this would fade into
insignificance against what it would cost you if you bought a car,
without insuring it for a test drive, which
in fact turned out to be a lemon.
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