Who covers test drive insurance?

movilogo

I'll take few test drives at various dealers next week.

In the unfortunate event, if I'm involved in a crash, what will be my maximum liability?

Do the dealers have special covers for their cars or I can be held responsible with my own "drive other cars with 3rd party cover"?

Thanks for help.

juliejim

You should be covered by the dealership's insurance.

Astaroth

You would be legal under the driving other cars (assuming you have it as not all policies do any more) however only damage you cause to other vehicles/ people and not the vehicle you are driving therefore you would be liable for that damage. Also worth noting that the LE cover doesnt normally include DOC claims so if you are in a non-fault accident you are "on your own" to recover the damages to the vehicle you are driving from the other party.

That said and done, most dealerships will have a fleet policy which covers test drives but it is always best to confirm rather than assume.