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test driving a car

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Hi all, I'm looking to buy my first car and wanted to ask is it legally allowed to test drive a car when buying from a private seller? Also do I have to have both tax and insurance before I dr… Read More
aqster Avatar
2y, 6m agoPosted 2 years, 6 months ago
Hi all,

I'm looking to buy my first car and wanted to ask is it legally allowed to test drive a car when buying from a private seller?

Also do I have to have both tax and insurance before I drive it away?

Thanks
aqster Avatar
2y, 6m agoPosted 2 years, 6 months ago
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#1
Unless you test drive it on private land, the seller will have to have a minimum of 3rd party insurance, tax and mot.

For you to drive it legally you will have to have fully comp insurance on your own vehicle which should allow you to drive any other car with the owners permission on 3rd party cover only.

And for your last question, yes and yes.

The reality of the situation though is that a lot of people won't arrange insurance and tax etc until they get home. It's a risk you take if you get caught....
banned#2
Yes technically ypu do need insurance even to test drive.
banned#3
Hallsie
Unless you test drive it on private land, the seller will have to have a minimum of 3rd party insurance, tax and mot.

For you to drive it legally you will have to have fully comp insurance on your own vehicle which should allow you to drive any other car with the owners permission on 3rd party cover only.

And for your last question, yes and yes.

The reality of the situation though is that a lot of people won't arrange insurance and tax etc until they get home. It's a risk you take if you get caught....

Mark it as best answer.
#4
You need to have valid insurance to test drive - used to be easy when DOC was included in most policies - either the seller should sort this or you need day insurance. Worth a call to your own insurers - I've generally been able to get other cars added on a short term basis for a nominal fee when swapping cars.

Under the new regime the tax expires when the car changes hands. You can do it online though so should be easy enough (tbh if the car is currently taxed I'd not worry too much - Insurance is what *must* be sorted)
#5
I can't understand why people wouldn't insure a car they've just bought straight away before they drive it. Best thing would be to get quotes on the car before you go. Jot a ref no down and phone them up.
As for taxing I have in the past just gone straight to the nearest post office.
#6
Hallsie
Unless you test drive it on private land, the seller will have to have a minimum of 3rd party insurance, tax and mot.

For you to drive it legally you will have to have fully comp insurance on your own vehicle which should allow you to drive any other car with the owners permission on 3rd party cover only.

And for your last question, yes and yes.

The reality of the situation though is that a lot of people won't arrange insurance and tax etc until they get home. It's a risk you take if you get caught....

Don't assume fully comprehensive insurance gives you the right to drive other cars with 3rd party cover.. my sister was caught out by this and now has 6 points..
#7
Hallsie
Unless you test drive it on private land, the seller will have to have a minimum of 3rd party insurance, tax and mot.

For you to drive it legally you will have to have fully comp insurance on your own vehicle which should allow you to drive any other car with the owners permission on 3rd party cover only.

And for your last question, yes and yes.

The reality of the situation though is that a lot of people won't arrange insurance and tax etc until they get home. It's a risk you take if you get caught....

Spot on answer. Just to add 'if' anything does happen whilst you are test driving the car i.e. you crash / someone crashes into you without the relevant insurance you will be liable.
#8
Yes you need insurance to test drive a car
Dont assume fully comp means you drive any other car
Most insurance companys do this for drivers over 25 years old
You will need the owner to drive the car to a big carpark (private property)
Although you can still get stopped for no insurance but less likely
I wont let anyone test drive my cars without insurance
You bin it , its uninsured driver and i would be responsible
You would also be done for no insurane
Get a few quotes and take down reference numbers
This will save you time if you buy
Test drive it in a carpark
Get the owner to drive it on the main roads
If you buy it the car will still show as taxed on the system
Tax it the same day or following day
Car we recently purchased still shows as taxed
Will show as untaxed once dvla recieve the logbook
#9
adam_holcombe
Hallsie
Unless you test drive it on private land, the seller will have to have a minimum of 3rd party insurance, tax and mot.

For you to drive it legally you will have to have fully comp insurance on your own vehicle which should allow you to drive any other car with the owners permission on 3rd party cover only.

And for your last question, yes and yes.

The reality of the situation though is that a lot of people won't arrange insurance and tax etc until they get home. It's a risk you take if you get caught....

Don't assume fully comprehensive insurance gives you the right to drive other cars with 3rd party cover.. my sister was caught out by this and now has 6 points..

That's why I wrote should....;)
#10
I do this. Get the owner to take you for a reasonably long test drive. Include dual carriageway so the car can be up to 70mph. Ask him her to do a spirited accelerate/emergency stop on a safe bit of road.
All the while watch. listen and feel what the car is doing.
The only bit you are missing out on is the feel through the steering wheel and whether the car tracks in a straight line. Everything else is pretty apparent, and not driving the car itself gives you more time to assess the general way the car drives.
If you then want, go to a bit of private road and have a short go to test the steering yourself.
Not foolproof, but a lot safer than a 5 min round the block with 3rd party cover.

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