When selling our car our insurance has advised us to change the policy from named drivers to drivers over 25 in case someone has an accident on the test drive. I always thought the driver is liable for the claim and not the insured vehicle but my insurance tells me otherwise and pointed out to the documents that dealerships make you sign before you test drive! Will change insurance policy but want to check if anyone else does this?
tamarillo,
May 23, 1:52am
I guess it depends on what type insurance you have. Mine says no one under 25 is insured but anyone over is. On my other car I have son as named driver to cover him.
cjohnw,
May 23, 2:11am
I agree with above. I have fully comprehensive policy with any driver, but a driver under 25 years the excess is $1600. You could just say no test drives by under 25 aged drivers?
bryalea,
May 23, 2:20am
If the test driver had liability insurance one might expect that to cover the driver in the case of an accident, but your insurance would need to cover a at fault driver if they had no cover. If I was driving someone else's vehicle I would expect my 2 mil liability cover to cover an accident I caused. Pretty sure my vehicle insurance already covers under 25 yr drivers. It has a list of age related excesses.
kazbanz,
May 23, 2:27am
Your insurance company are giving you GOOD advice in this case. Literally you are covering your backside if an uninsured driver plows into the side of your car on a test drive.
manolo,
May 23, 6:01am
Thanks Kaz isn’t it the driver who is at fault though. I’ve not made a claim in 15 years so if it did happen I wouldn’t want to claim against my insurance and lose my no claims bonus
bitsy_boffin,
May 23, 8:19am
Your insurance wouldn't want a bar of it if the driver is not covered by your policy, so you would need to be getting the money from the driver.
You can not get blood from a stone.
Now, you are clearly thinking about damage to OTHER vehicles the driver makes in the course of an imagined accident, and yes in that case, that's not your problem they are liable for that. But damage to YOUR vehicle certainly is your problem.
Even if they were just tootling through an intersection and got wiped out by a red light runner, I'm not sure how that would go down with the insurance if the driver wasn't covered by your policy.
blueviking,
May 23, 5:55pm
Most insurance co.s allow 1 claim a yr, before you lose your no claims bonus.
joanie04,
Aug 5, 3:40am
And some allow up to two per year.
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