booked a 24 hr test drive for a VRS

 

Dealer advised that I'd need to change my own insurance to cover for the period

 

My own insurance advised they wouldnt do it as the VRS is several groups higher than my own Elegance.

 

so, nice idea in theory, but a complete waste of time in practice.

 

I think a few other people may get caught out with this. 

 

 

 

 

You can buy Day Insurance.

 There are threads in the Legal & Insurance section of Briskoda.

 

I take it that dealer is just trying to put you off borrowing the car, obviously not at their most desperate to get a sale.

It is rather easy for them to assist you on having the cover for the car, either free or at a not very high cost.

Edited 29 May, 201511 yr by goneoffSKi

We had the 24 hour test drive a couple of weeks back, and the dealer sorted the insurance. There was a £1000 excess mind you.

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No doubt it will depend on your age, occupation, insurance claims history & points on licence - no different to hiring a car really

So your own car would be uninsured for 24hrs? Hmm, no thanks.

They should be able to put the demonstrator on their insurance for a small fee - same as when you get a courtesy car for a service

Use dayinsure.co.uk or similar, bung in the reg number with a few details, and that you want fully comp without any need to tell your own insurer.

Have got back to the dealer and they have put the demo car ( which is the dealer principals car ) on their courtesy car insurance, so it is covered, albeit with a £1000 excess.

 

so looking forward to thrashing the ars.....I mean taking it for a gentle spin on Monday

If it is a dealer demonstrator it should be insured for any driver anyway?? How else do you get to have a demo drive?

When I took a vrs out for a 30 minute or less test drive, with a dealer sales rep with me, I had to sign to accept a hefty excess in the event of an accident.  That made me feel they were reluctant to provide even that most basic test drive, but I decided the risk was low, particularly knowing I wasn't going to attempt to find the cars limits, and signed.   I was glad the test drive was incident free though, and much preferred the experience at a Mazda dealer where no such commitments are demanded even though the Skoda test was booked several days in advance and the Mazda was a walk in only.

BTW, do they charge for 24 hour test drives?  I imagine they might want something to discourage people trying to use them as a cheap days car hire.

All garages try and put you off by saying you need to arrange your own insurance - I try the approach of saying I'm paying you £x for service/mot/repairs/whatever and it would be good customer service if they gave me a loaner and insurance at no cost - generally works 9 times out of 10.

My insurance covers me fully comp in any loaner whilst my car is in for repair or service, on exactly the same terms as my own car, including named drivers.

As mine does.

But then when there is a claim, the Car actually has insurance on the Group Policy of the Dealership or the Hire / Lease Company 

and the Claim is made on their Insurance, or no claim is made,

and being Motor Traders and in the Business the vehicle can be repaired possibly cheaper 

by them with no claim against insurance, as often happens, broken tail light, little knocks etc as a Loaner is returned.

 

Plenty of little & not so little knocks happen to Demonstrators & Management cars with Employees or Customers 

which never ever see a 'Claim Form' being filled in.

You pay the parts required, the Dealership fixes the car.

They are the ones often covering 3rd Party as well, since all Vehicles have Minimum 3rd party cover anyway, Private or Group Cover.

BTW, do they charge for 24 hour test drives? I imagine they might want something to discourage people trying to use them as a cheap days car hire.

There wasn't a charge for us, but there is a 150 mile limit I think.

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