Insurance On Test Driving Cars
At the moment there a number of ways to get cover for a test driver.
Insurance on test driving cars. We d recommend getting as long as possible when test driving a car. That is unless required by the dealership. In the uk you must provide either your own your instructor s or somebody else s car for your driving test as long as it meets the following rules. You generally do not need insurance to test drive a car.
This is known as doc or driving other cars cover. For most states your personal auto insurance covers your vehicle and a dealership s car is covered by their insurance policy meaning if you get into an accident while test driving a car at the dealership it ll most likely be covered by their insurance. If you re buying a car from a private dealer however you will need to organise insurance for yourself. Dealers will have special cover in place but there s a good chance you won t be covered if you test drive a car sold privately.
This allows you to get comfortable with the model which may drive differently to the cars you ve driven previously. Check your own car insurance you are looking for the words on the policy that says you can drive another car with the owner s permission. If they do be sure to get the paperwork from the agency and get insurance to show the dmv that the car is registered to the rental car company. When test driving a car owned by a private party there are several questions you should ask to ensure you ll have adequate coverage while driving there are not many scenarios where you can legally drive without insurance but one scenario where you are commonly covered without insurance is when you are on a test drive.
Dealerships normally have a special cover but check to make sure this is the case. If it doesn t the seller might be able to extend their own insurance to cover any test drive or you can ask your insurer for a temporary comprehensive cover which could be helpful if you plan on test driving several cars. When test driving a vehicle from a dealership their insurance should cover you. Auto insurance is required when you re taking a driving test.
It is in your best interest to find out for sure you are adequately covered by insurance before you test drive a vehicle. Don t forget that if you have insurance with your provisional licence you won t be insured to drive home with a full licence if you passed your test. It s also a good idea to drive it on different types of road to see how it performs in a city centre versus country roads motorways etc. When test driving a vehicle from a private party you will want to ensure they have adequate coverage for the car in place.
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