Money Saving Expert Martin Lewis has reminded drivers to always check their insurance cover before test driving a car, especially when buying privately
MoneySavingExpert (MSE) founder Martin Lewis has issued an important warning to anyone planning to test drive a car. Whether buying from a dealer or a private seller, insurance checks should always come first.
Speaking through his MSE platform, Martin stressed that being behind the wheel without proper cover, even just for a test drive, could land drivers in serious trouble. “Check you’re insured before doing a test drive,” the advice begins.
Many motorists assume their own insurance extends to other vehicles, but this isn’t always the case. While some fully comprehensive policies do include third-party cover for driving other cars, this varies widely by insurer.
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Don’t just assume you’re covered because you have a comprehensive policy; you must check the wording carefully or contact your provider to be sure. Some policies even exclude this benefit entirely or limit it to emergencies.
For those buying from a dealership, temporary insurance might be offered on-site. But when it comes to private sellers, things can get more complicated and riskier.
Martin’s advice is simple: If you’re not insured, don’t take to the wheel. Especially, if you’re buying from a private seller, ask them to take you for a drive if you’re not covered, he says.
This way, you can still get a feel for the car and assess its condition, without breaching any laws or risking penalties. Driving uninsured is a serious offence and could lead to fines, points on your licence, or even a vehicle seizure.
Temporary or short-term insurance is another option for cautious buyers. Several providers now offer policies that cover anywhere from an hour to a few days, specifically for test driving or short-term use.
It’s a smart way to stay protected without making a long-term commitment. It can also be arranged online in minutes, which is handy when planning to view multiple vehicles.
Martin’s team at MSE also reminds drivers that ignorance isn’t a valid defence. If something goes wrong during a test drive and you’re not insured, the consequences can be far-reaching.
At worst, you could be liable for damage to the car, another vehicle, or even injuries, costs that could run into thousands. A simple insurance check could prevent all of that.
So, whether you’re buying your first car or upgrading to a new model, the message is clear. Before turning the key, make sure you’re legally allowed to.