Do I need insurance for a test-drive?
It’s never legal to drive a car on public roads without at least basic insurance, so it’s important that you’re covered even before you take a test-drive. Dealers will usually have insurance cover for customers test-driving their cars, but it’s a good idea to check with them beforehand. If you’re test-driving a car privately, you’ll need to have your own policy, with Driving Other Cars (DOC) cover. This allows you to drive someone else’s car with their permission. If DOC isn’t stated on your policy documents, call your insurer to have it added before you begin test-driving. In some cases, a private seller might have extended their own coverage to allow potential buyers to test drive their car, but it doesn’t hurt to have your own cover anyway. Typically, DOC cover is third-party only. If you don’t have an existing policy, some companies offer test-drive insurance cover which you can buy by the day, or even the hour.