sleeka

Hi guys,

Just a quick question, am only a named driver on my mums car insurance but am looking to buy my own car.
Have found a second-hand one i like but am i ok insurance-wise to take it out for a test drive?
I dont think i am but how am i gonna get round this prob?
Am gonna want to know how the car handles/feels before i buy it though.

Anyone know??????

Cheers
C.

Patt@firstime

Can the dealer cover you under there insurance they take a photocopy of both parts of you d/l and details etc and your covered on there policy, I think

sleeka

The car i'm looking at is through a private seller, not a dealer though

Patt@firstime

Try contacting your mums insurance company and see what they say?

Matt

Jamo

iTrader: (23)

then the answer would be no, because it needs to be a fully comprehesive cover, that allows you to drive other vehicles, with the owners permission at a third party only cover.

sorry

jamo

Leslie

You won't be covered then I'm afraid.

Les

Patt@firstime

Not all fully comp cover allows that though, AFAIK

Matt

sleeka

Oh man!!!!

That sucks big time.

Will phone Liv Vic later to see what they say, but i guess you guys have confirmed my thoughts anyway.
Cheers.

Goochie

Easy! Just ring your mum's insurance company and tell them the scenario - they'll arrange temporary third party cover for you if you give them the registration number, make, model etc...

Trashman

Hate to be the bearer of bad news, but that isn't necessarily the case:

Just sold my old car to a colleague. Naturally he wanted a test drive, I said fine my insurance doesn't cover you - speak to your insurer's about a day's cover. He did, they wouldn't (both of us at the time Direct Line), in the end I had to add him to my insurance as a named driver for a day which covered him to drive my car with comprehensive cover but with about 3 or 4 hundred quid excess - which he agreed to pay come the worst. Cost me £6 which I consider is part of the cost of selling.

Speak nicely to the seller - he may oblige - if he doesn't just remind him that anyone with 'comprehensive cover' that does test drive will actually be driving his car with Third Party cover.

All this may be different with different insurers but just passing on what happened.

Goochie

How strange, I test drove a 1969 beetle a couple of years ago while I was insured with Direct Line. I explained the situation and the arranged a day's cover for an admin fee - The car was even too old to be insured by them! Usually they wont insure anything pre '73

Trashman

This is Direct Line - the same one who, when getting quotes for the Scoob, said cancel the policy and take out a new on-line as it would be cheaper. Yes, but not cheap enough!