Car insurance whilst people test-drive car I am selling

simh

Hi all

I'm slightly confused as to how car insurance works when people are test driving the car I am selling. The literature I have read suggests I check potential buyers insurance documentation before I let them test-drive my car, but surely their insurance only covers them for their car, not to drive mine. And my insurance only allows me and the wife to drive my car?

Can anyone clarify what the situation is?

many thanks

harveybobbles

Most, but not all policies will let the Policy Holder drive another car 3rd party, as lon as said car is insured.

ie I could come and drive your car, but I'd only be covered to drive it 3rd party. So if I crashed, then your insurance would pay to fix the damaged car and not yours. But if someone hit your car while I was driving it then the car would be repaired by insurance company of the other car.

Read it a few time,s it becomes clear lol...

benjus

Obviously the above only applies if the person already has an insurance policy in their own name - if they don't have a car or are only a named driver on someone else's policy they won't be covered.

If any potential buyers are in this position, or if you are not happy with people driving your car with only 3rd party cover, the only option is to arrange temporary comprehensive cover (about £20 per day).

Hammyman

My policy allows me to drive cars not owned by me so I would be insured however only third party so it would pay out to who I hit, not the repairs on the car I was driving.

The important point though is that if you allow someone to test drive your car without insurance and they get stopped you will get a fine and points equivalent to having no insurance as well.

simh

I see. So before I let anyone test-drive it I need to see their insurance document to check they are covered, albeit 3rd party, to drive my car. I guess i'd have to sue them to get them to pay for the damage to my car! lol

thanks very much for all you help

Gloomendoom

harveybobbles wrote: »

Most, but not all policies will let the Policy Holder drive another car 3rd party, as lon as said car is insured.

ie I could come and drive your car, but I'd only be covered to drive it 3rd party. So if I crashed, then your insurance would pay to fix the damaged car and not yours.

I would check this bit with your insurance company first. It doesn't make sense to me. :huh:

adamc260

Gloomendoom wrote: »

I would check this bit with your insurance company first. It doesn't make sense to me. :huh:

Driving Other Cars Extension (DOC) covers you TPO (Third Party Only) so they were correct in saying... if you use someone elses vehicle and crash it... your only covered for the damage you cause to someone elses property/vehicle and NOT the damage to the vehicle your using

KierNet

simh wrote: »

I see. So before I let anyone test-drive it I need to see their insurance document to check they are covered, albeit 3rd party, to drive my car. I guess i'd have to sue them to get them to pay for the damage to my car! lol

thanks very much for all you help

Yep, as long as the car is insured by yourself as well, if that makes sense.

dacouch

KierNet wrote: »

Yep, as long as the car is insured by yourself as well, if that makes sense.

This is not neccessarily correct

KierNet

dacouch wrote: »

This is not neccessarily correct

Yes it is, unless its on private land.

wealdroam

KierNet wrote: »

Yep, as long as the car is insured by yourself as well, if that makes sense.

Not necessarily true. Depends on the policy.