First Car Buying Private How to Test Drive no insurance?

Tilt · 15 October 2016 at 12:39PM

Car_54 wrote: »

The OP would be OK provided he could produce the cover note within 7 days. The police might seize the car in the meantime, but that's not the OP's problem. :rotfl:

True. But the OP would be far better off carrying the cover note with him/her while driving the car. Then there should be no issue in the first place.

Tilt · 15 October 2016 at 12:48PM

Aretnap wrote: »

It would satisfy the RK's responsibility as well. The continuous enforcement law simply requires that the car be covered by a policy that specifically identifies it. There's no requirement that the policy is taken out by or in the name of the RK - it just has to exist in some form. If the OP takes out a policy on the car then the RK is also fine from the point of view of continuous insurance (on the days the OP's policy is in force, at least).

Absolutely, I think I said that in post #2.

Aretnap wrote: »

In any event the OP says that the seller does have insurance of his own, so the question isn't especially relevant.

It probably would be relevant if the seller was 'mistaken'.

Aretnap wrote: »

AdventureRocks - it is theoretically possible that the seller does have a policy which allows any driver to drive his car, but it is unlikely - any driver policies are expensive and you have to go out of your way to find them. If he has a standard car insurance policy then it will NOT cover you to drive, unless he specifically asks his insurer to add you as a named driver for the day (and in most cases pays them an extra fee). Certainly you should not rely on his insurance unless you've seen the documents and checked for yourself that it covers you.

Which is why I mention the seller could be 'mistaken' and ultimately it's the driver's responsibility to ensure he/she has adequate insurance cover while on the road.