Buying a used car - silly questions sorry!

jungliemac

Morning,
I'm looking at buying a used car possibly next week. Its up for £8000 and I'm hoping to get it for a couple of hundred less. Questions are how do I pay for it and drive it away there and then? Do I get a bank cheque for say £7500 and take some cash? Do I take him to the bank with me and transfer the money over to his account. Don't think my basic account will allow me to pay by card for that amount.
Also how do I insure myself to drive it away ( he is a small dealer not a garage). Do I call my insurance and ask them to add that car or just ask them to Insure me for a week or something?
Sorry I'm so clueless I haven't bought a car for a while

Kilty_2

A dealer will rarely let you drive away there and then - you usually make a small cash deposit and they get the car ready for sale, tax it, etc.

You should be able to pay any amount by debit card even if you have a basic account.

shaun_from_Africa

Most insurance companies will give you an overlap on your insurance so that both the new and old cars are covered at the same time.
This will allow you to drive to the garage in your old motor and leave in the new one.

If you ask your insurers, they should also send you a cover note for the new car before you collect it to enable you to tax it.

I paid for a car with my debit card yesterday (£11,100) and there was no problem, although the authorisation centre did want to speak to me to ask a couple of security questions.