Selling a car - insurance

saker75

Hi all

I’m about to tax my car (currently sorn) to sell. Is there a type of insurance that would allow people to test drive it? 

GrumpyDil

Only if you can get any driver insurance which is likely to be extortionate. I would leave up to potential buyers to organise their own insurance 

forgotmyname

And their insurance may only cover them 3rd party so if they crash your car and it was their fault
it pays the other party and you get to walk home.

Before you take it off SORN check the prices of the companies that will buy it.

Take away the insurance and tax and time wasters you maybe losing very little.

saker75

Thanks, it’s years since I last did this and things seem to have changed. But I have someone viewing tomorrow and they have their own insurance for test driving the car.

forgotmyname

That will likely be 3rd party cover unless they are a dealer who may have full coverage.

Mutton_Geoff

saker75 said:

Hi all

I’m about to tax my car (currently sorn) to sell. Is there a type of insurance that would allow people to test drive it? 

https://www.tempcover.com/

I've used them a few times. I also would not accept buyers word they had insurance as, even if they did, it would be third party only driving other vehicles. You will ultimately be liable as you permitted use of your vehicle. Many insurances will only provide cover if the car is already insured in it's own right.

I have sold many cars and never let the buyer drive it but they've always been happy to let me drive them on a demo.

jimjames

forgotmyname said:

That will likely be 3rd party cover unless they are a dealer who may have full coverage.

If they've taken out a policy then it will be more likely to be fully comp. If no insurance in place on the car then the driving other cars option is unlikely to be available (some rare policies might allow it but most require a policy in place first)

saker75 said:

Thanks, it’s years since I last did this and things seem to have changed. But I have someone viewing tomorrow and they have their own insurance for test driving the car.

Make sure that their insurance doesnt require you to have a policy in place if it's a driving other cars extension.

wongataa

jimjames said:

forgotmyname said:

That will likely be 3rd party cover unless they are a dealer who may have full coverage.

If they've taken out a policy then it will be more likely to be fully comp. If no insurance in place on the car then the driving other cars option is unlikely to be available (some rare policies might allow it but most require a policy in place first)

Most DOC cover is third party only.  Rarely it isn't.

DullGreyGuy

Any Driver is the solution if you want to be paying for the insurance but this is fairly rare these days outside of commercial insurance. Note even with Any Driver there can be a minimum age and minimum time the licence has been held... it frequently was 21 and 1 year but some insurers used to vary it depending on the vehicle (similar to hire car companies).

Other options are:

• Add them to your insurance as a Temporary Additional Driver - normally a cap of how many you can do a year
• They drive under their Driving Other Cars - note that some insurers have removed this and people dont realise! Its also only third party cover so no insurance for damage to your car
• They add your car to their insurance as a Temporary Additional Vehicle
• Either of you buy temporary/day insurance

All require everyone to be sure that correct declaration etc have been made

jimjames

wongataa said:

jimjames said:

forgotmyname said:

That will likely be 3rd party cover unless they are a dealer who may have full coverage.

If they've taken out a policy then it will be more likely to be fully comp. If no insurance in place on the car then the driving other cars option is unlikely to be available (some rare policies might allow it but most require a policy in place first)

Most DOC cover is third party only.  Rarely it isn't.

I'm not referring to DOC, but a policy they've taken out for the purpose of test driving. That is likely to be fully comp from the ones I've used before

Mutton_Geoff

I just checked my own insurance and it says:

The policyholder may also drive with the owner's permission a car not owned by the policyholder and not hired to the policyholder under a hire purchase or annual leasing agreement and is not used in connection with the motor trade.

This is provided the owner of the car has valid insurance in force on that car but which does not cover the policyholder of this policy to drive that car. Cover will be limited to Third Party only.

The policyholder will not be covered for any loss or damage to the other car that is being driven.

That means if I damaged the car I was test driving, I would have to pay for everything. My insurance would only cover third party claims. Imagine the mess that would be and the chances of pursuing a test driver for the money! Just say no. If they want test drives, go to a dealer.