Couldn't find a thread on this topic - if there is one please let me know...

Two situations:

1) I'm selling: My insurance does not cover other than named drivers, so I can't let strangers drive my car to satisfy themselves about its condition.

2) I'm buying: My insurance does not cover me to drive other peoples cars except in (their definition of) an emergency.

I anticipate having some "change your insurer (CIS)" replies, but what do you do in these situations to make sure you are both legal and covering the value of the car should the worst happen?

This is where part exchange is so much easier, but it costs of course.

Fred

Couldn't find a thread on this topic - if there is one please let me know...

Two situations:

1) I'm selling: My insurance does not cover other than named drivers, so I can't let strangers drive my car to satisfy themselves about its condition.

2) I'm buying: My insurance does not cover me to drive other peoples cars except in (their definition of) an emergency.

I anticipate having some "change your insurer (CIS)" replies, but what do you do in these situations to make sure you are both legal and covering the value of the car should the worst happen?

This is where part exchange is so much easier, but it costs of course.

Fred

Strange one Fred, several insurers now offer you to be able to drive any car on 3rd party only basis if you are fully comprehensive. Your insurance only covers you and named drivers however their insurance covers them against any damage to 3rd party and not the vehicle they were in at the time.

Take a look at http://www.fancyacar.co.uk/car-insurance/test-drive/

Take a look at http://www.fancyacar.co.uk/car-insurance/test-drive/

I see what you mean I don't really have that option as they won't let under 21's have temp cover lol. But a lot of insurers do have, or have the option of 'DOC' as it is listed there!

Take a look at http://www.fancyacar...nce/test-drive/

Thanks, that's helpful, short term insurance covers for me doing a test, but what about the stranger who turns up to test my car - can you get short term "any driver" comprehensive (i.e. covers damage to my car) cover for a sensible price?

Thanks, that's helpful, short term insurance covers for me doing a test, but what about the stranger who turns up to test my car - can you get short term "any driver" comprehensive (i.e. covers damage to my car) cover for a sensible price?

http://www.dayinsure.com/quickQuote2.aspx would seem to be one option.

Thanks, that's helpful, short term insurance covers for me doing a test, but what about the stranger who turns up to test my car - can you get short term "any driver" comprehensive (i.e. covers damage to my car) cover for a sensible price?

For private seller/private buyer test drives, it is the buyer who takes out the insurance. You have no idea of the insurance history of a driver who turns up to test drive your car.

I thought the insurance rules were quite simple based on all there Police Stop - Interceptor programs, -

The car MUST have owners valid insurance, & any other drivers insurance MUST cover driving other vehicles. So if either one of these conditions are not met, then the car can be confiscated by the police.

I thought the insurance rules were quite simple based on all there Police Stop - Interceptor programs, -

The car MUST have owners valid insurance, & any other drivers insurance MUST cover driving other vehicles. So if either one of these conditions are not met, then the car can be confiscated by the police.

No, that's not correct.

If you are using the "driving other vehicles" provision in your Fully Comp insurance then it doesn't necessarily need it's own separate policy *unless* the wording of your insurance documents states this.

Whenever I've checked my policies it's not required this.