Insuring a test drive

MikeHiow

MikeHiow

MikeHiow

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Joined
26 Oct 2004
Posts
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Location
Isle of Wight
I have a problem;

I've been offered an extended test drive on a car I may be looking at purchasing (RX8 231), the trouble is insurance - I think I've explored all avenues and I'm **** out of luck, but I thought I'd check here to see if anyone knew of a way;

Being 23, no temporary insurers will cover me on such a car.

My own insurance won't let me add a temporary car if its already insured, nor will they cover me for DOC until I'm 25.

The owners current insurance will not cover under 25s as named drivers.

Am I simply out of luck?
 
This one is a little bit special, I don't think test driving a standard one is going to offer much insight really.
 
Without jumping onto any sort of bandwagon and taking the thread away from what it should be - are you totally aware of the running costs of an RX8?

I read somewhere that an owner said the day to day running cost him more than his AM DB9!

By special do you mean it is SC'ed?

Best I can suggest is let the owner take you on a long passenger ride, then give you a go at low speeds in an empty car park and test drive a standard one at a dealer?
 
Indeed, done it a few times before. Just buy a policy with them in full with 0NCB at whatever price they quote (not important). Any insurance company will do pretty much.

Then cancel a few days later under the cooling off period. They will charge you a small admin fee.
 
Jez said:
Indeed, done it a few times before. Just buy a policy with them in full with 0NCB at whatever price they quote (not important). Any insurance company will do pretty much.

Then cancel a few days later under the cooling off period. They will charge you a small admin fee.
Click to expand...

This was how I test drove my car before I bought it due to it being group 16 and none of the temp cover people wanting to touch me on cars group 16 and above (due to age).
 
Jez said:
Indeed, done it a few times before. Just buy a policy with them in full with 0NCB at whatever price they quote (not important). Any insurance company will do pretty much.

Then cancel a few days later under the cooling off period. They will charge you a small admin fee.
Click to expand...

This ;)
 
Don't most insurance companies stipulate that you must be the owner and/or the registered keeper? If that's the case then he wouldn't be covered in the event of an accident surely?
 
monkey_boy said:
Don't most insurance companies stipulate that you must be the owner and/or the registered keeper? If that's the case then he wouldn't be covered in the event of an accident surely?
Click to expand...

You crash it you buy it, in this very unlikely scenario.
 
Jez said:
You crash it you buy it, in this very unlikely scenario.
Click to expand...
That response suprises me with the usual attitude to insurance on here. It wasn't too long ago that people were being flamed for not declaring remaps to their insurance. It doesn't seem vastly different to me.
 
monkey_boy said:
That response suprises me with the usual attitude to insurance on here. It wasn't too long ago that people were being flamed for not declaring remaps to their insurance. It doesn't seem vastly different to me.
Click to expand...

It isn't, frankly. The real answer to this question is 'There is nothing you can do'.
 
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