Insurance for Test Drives
The first thing you should know before you get behind the wheel and test that car you like is that you’ll need insurance. Driving on British roads without it is illegal, even if you’re just doing a test drive. So you’ll need one, especially if you’re testing a privately-owned car.
Although this shouldn’t be an issue if you’re test-driving a new car or a used one from a dealership – they tend to have insurance that will cover you for a test drive – though you should ask before you get started.
It won’t hurt either checking whether your car insurance on your current car covers you on other cars. Not all policies do and it’s always better to be safe than sorry. In case you’re not covered or you don’t have car insurance, then you can take out temporary insurance to cover you for the few hours that you’ll need to test drive your potential new vehicle.
On top of insurance, one thing to remember when going to test-drive a car is to take your driving license along. It may sound obvious, but don’t forget it at home. Dealers and private owners will want to see it before letting you get behind the wheel.
Quick tips for test drive insurance:
- Don’t test drive unless you’re insured to do so
- Ask the dealership if they will cover you or you need to get your own insurance cover
- Read well and understand the terms of your insurance for test driving vehicles. It tends to be usually third party only