How can you drive home when buying a car from private seller?

EdGasket

UsernameAlreadyExists wrote: »

Despite the plethora of counter points following ... I did exactly this. I bought a car from a copper, and drove it home on my DOC cover using his ongoing insurance. I didn't officially purchase it until I got home successfully ... it was merely an extended test drive up till that point.

Very dodgy and a nightmare if you crash on the way home; would you buy the crashed car? who's insurance is supposed to pay? I'm surprised he agreed. Why not just get him to drive it back for you and save taking the risk?

Chopper_Read

UsernameAlreadyExists wrote: »

Despite the plethora of counter points following ... I did exactly this. I bought a car from a copper, and drove it home on my DOC cover using his ongoing insurance. I didn't officially purchase it until I got home successfully ... it was merely an extended test drive up till that point.

So you drove home without insurance. I was taking the p155 when I made that post.

UsernameAlreadyExists

EdGasket wrote: »

Very dodgy and a nightmare if you crash on the way home; would you buy the crashed car?

I had already handed over the cash

EdGasket wrote: »

who's insurance is supposed to pay?

The same as on the test drive.

EdGasket wrote: »

I'm surprised he agreed.

I'm not, he knew I wasn't a !!!!!!!!.

EdGasket wrote: »

Why not just get him to drive it back for you and save taking the risk?

Because 120 miles is why.

Chopper_Read wrote: »

So you drove home without insurance.

No, I drove home insured.

Chopper_Read wrote: »

I was taking the p155 when I made that post.

Why?

Chopper_Read

UsernameAlreadyExists wrote: »

I had already handed over the cash


The same as on the test drive.


I'm not, he knew I wasn't a !!!!!!!!.


Because 120 miles is why.




No, I drove home insured.


Why?

So you have a special insurance that allows you to drive anything?

EdGasket

He was relying on the 'drive another car not owned by yourself with the owners permission' clause that some, but not all, insurance certificates have.

However the fact that he had already 'handed over the cash' meant he had bought it and therefore it was by himself. I think he was not insured in this case to drive home having handed over the money before leaving for home; it was clearly no longer a 'test drive'.

neilmcl

Chopper_Read wrote: »

I was taking the p155 when I made that post.

Yeah, we believe you.

dacouch

EdGasket wrote: »

He was relying on the 'drive another car not owned by yourself with the owners permission' clause that some, but not all, insurance certificates have.

However the fact that he had already 'handed over the cash' meant he had bought it and therefore it was by himself. I think he was not insured in this case to drive home having handed over the money before leaving for home; it was clearly no longer a 'test drive'.

Although judging by these cases there's a good chance the police officer would have lied for the poster, but looking at these they would probably have ended up getting found out...

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/7/july-innocent-non-disclosure.htm#718 case 07/20

http://forums.pepipoo.com/index.php?showtopic=76224 (One of my favourite threads ever, worth reading to the end as it gets better)

move along, nothing to see here...

Chopper_Read

dacouch wrote: »

Although judging by these cases there's a good chance the police officer would have lied for the poster, but looking at these they would probably have ended up getting found out...

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/7/july-innocent-non-disclosure.htm#718 case 07/20

http://forums.pepipoo.com/index.php?showtopic=76224 (One of my favourite threads ever, worth reading to the end as it gets better)

move along, nothing to see here...

I doubt thepolice officer in the case of UsernameAlreadyExists exists.

UsernameAlreadyExists

Well you can doubt what you like! I am hardly going to start proving anything to you

I really don't see what people are getting so hung up about.
If you're going to buy a car privately then you'll want to test drive it. When you put the money in their hand to take it out for a spin ( as a security that you won't just drive away with it! ) ... what's the difference? You'd be driving under the DOC cover, and you can still run over kittens and children.

Also ... if you're "not insured", and you "don't crash" - is there a problem?

pmramsay

one thing to consider when getting insurance straight away is that I have found that it can be more expensive to get the insurance next day than say a week. for example i was looking at mine for when my drive away finished. If i had not got driveaway it would have been around £50-£80 more expensive then waiting 5-7 days. Not a lot in the grand scheme of things but its a little MSE tip!