Wants a test drive but no insurance
Discussion
Currently have my TVR for sale, guy, local, viewed it last week and came back this afternoon for another look.
Took him out in it 10 mile run out, came back and he says "so you won't let me drive it then".
I suggested he could with insurance cover, suggested he had "third party" cover only so I refused.
His response "well I won't make an offer if I cannot drive it" and literally stormed off in an arrogant huff.
Now I don't know him from Adam, he might be a good driver or not, and if he hits another car, or the 4 kids on horses thst we passed, it'll be my insurance that takes the hammer, third party or not, I suspect.
I know I usually want to test drive a car but it seems to be a standard added to adverts nowerdays "no test drives without insurance"
Still he now knows he's rather have a Chimaera than a Z4 and has wasted my time and petrol.
Took him out in it 10 mile run out, came back and he says "so you won't let me drive it then".
I suggested he could with insurance cover, suggested he had "third party" cover only so I refused.
His response "well I won't make an offer if I cannot drive it" and literally stormed off in an arrogant huff.
Now I don't know him from Adam, he might be a good driver or not, and if he hits another car, or the 4 kids on horses thst we passed, it'll be my insurance that takes the hammer, third party or not, I suspect.
I know I usually want to test drive a car but it seems to be a standard added to adverts nowerdays "no test drives without insurance"
Still he now knows he's rather have a Chimaera than a Z4 and has wasted my time and petrol.
Skyedriver said:
I suggested he could with insurance cover, suggested he had "third party" cover only so I refused.
His response "well I won't make an offer if I cannot drive it" and literally stormed off in an arrogant huff.
Sorry, he did or didn't have TPO cover?His response "well I won't make an offer if I cannot drive it" and literally stormed off in an arrogant huff.
If he did, then he was insured, but I rpeusme you were holding out for comp? Sure, his insurance wouldn't have paid for the damage to the car, but since he would be buying it for full advertised price, that's irrelevant...
If he didn't, then not only would an incident have seen you with the bill, but probably with an IN14 on your licence, for causing/permitting him to drive with no insurance.
Must admit if i owned a TVR I wouldnt be letting anyone drive it without confirming with said insurance company that they were insured!
What an absolute tool he is if he thought he could drive it with just third party insurance. So if he crashed he would have the spare money to repair your car? lol some people really dont have a clue do they lol
What an absolute tool he is if he thought he could drive it with just third party insurance. So if he crashed he would have the spare money to repair your car? lol some people really dont have a clue do they lol
So how do people test drive second hand cars? If I wanted to look at your car would I have to insure it for 24 hours? Insurers take a dim view of one car being insured twice.
I have tpo drive any car cover, I take my insurance docs with me when I view a car. If I can't dri e the car then damned if I am going to make an offer. Why? The owner driving it could be hiding any number of running issues as they know the car and how it behaves and how to mask it.
I have tpo drive any car cover, I take my insurance docs with me when I view a car. If I can't dri e the car then damned if I am going to make an offer. Why? The owner driving it could be hiding any number of running issues as they know the car and how it behaves and how to mask it.
TheAngryDog said:
So how do people test drive second hand cars? If I wanted to look at your car would I have to insure it for 24 hours? Insurers take a dim view of one car being insured twice.
No they don't. The same risk being insured twice can lead to complications but in the example here there are 2 completely separate risks.He almost certainly has 3rd party cover from his current policy, assuming he has one. I've test driven cars on my 3rd party cover on the basis that if I bend it I've bought it. You could do the same.. ask for the asking price as a deposit. Or if he is serious about buying and just wants to drive it first, have him insure it fully comp. He has a week or two to cancel a policy if he doesnt go ahead with the purchase.
This isn't just a problem buying privately, but also driving friends cars. I drove a 599 the other day on 3rd party cover and have to say I was a bit nervous..
This isn't just a problem buying privately, but also driving friends cars. I drove a 599 the other day on 3rd party cover and have to say I was a bit nervous..
Thanks for your comments, so I wasn't being "unreasonable".
It was his arrogant "well I wont even make an offer if I cannot drive the car" followed by his immediate stride of to his own car and wife.
Hindsight is a great thing but I wish I had said something as he left, you know, about wasting my time and petrol and maybe suggesting where to go next....
It was his arrogant "well I wont even make an offer if I cannot drive the car" followed by his immediate stride of to his own car and wife.
Hindsight is a great thing but I wish I had said something as he left, you know, about wasting my time and petrol and maybe suggesting where to go next....
Skyedriver said:
And so you ask if he can afford it if he bends it, how would you make him actually pay up, you couldn't surely without a written contract.
And if he's caused an accident with the horses and young riders...
Of course you could force him to pay up if he damages you car. Sue him for damages. You'd be much better off taking a big deposit before he drives it though. I reckon one of the qualified legal bods could draw up a watertight one page agreement in a few minutes for something this simple.And if he's caused an accident with the horses and young riders...
On your second point, his 3rd party cover would cover the horses and young riders, what with them being 3rd parties...
When I go to view a car with the serious intent of buying/making an offer I always take out a day cover policy, it's piece of mind for the sake of £20-£25.00 even on occasions when I have not purchased at least cover was in force. With my last purchase I took temporary day cover out on a car that hadn't been insured for 3 months and sure enough I got stopped twice whilst I was driving it home from Nottingham to North Wales, police officers checked everything and read the policy on my phones email and were happy to let me continue.
Edited by kdri155 on Sunday 7th September 15:28
User33678888 said:
He almost certainly has 3rd party cover from his current policy, assuming he has one. I've test driven cars on my 3rd party cover on the basis that if I bend it I've bought it. You could do the same.. ask for the asking price as a deposit. Or if he is serious about buying and just wants to drive it first, have him insure it fully comp. He has a week or two to cancel a policy if he doesnt go ahead with the purchase.
This isn't just a problem buying privately, but also driving friends cars. I drove a 599 the other day on 3rd party cover and have to say I was a bit nervous..
try getting them to pay up once they have written your car off with only TP cover.This isn't just a problem buying privately, but also driving friends cars. I drove a 599 the other day on 3rd party cover and have to say I was a bit nervous..
no way anyone would drive my car now with out FC, if there interested they will arrange it
doubly so on a TVR, guy could be a total spanner and not have a clue what hes doing
I took out day insurance to test drive a car a few months back. Cost about £45 I seem to recall, not much in the great scheme of things. I took out the policy before travelling and the car turned out to be a turd so it was a waste, in future I'll look at the car first and do the insurance there and then as you can get cover instantly.
Wouldn't let anybody drive my car only covered third party, if they don't buy it the so be it, somebody else will.
Wouldn't let anybody drive my car only covered third party, if they don't buy it the so be it, somebody else will.
Skyedriver said:
Now I don't know him from Adam, he might be a good driver or not, and if he hits another car, or the 4 kids on horses thst we passed, it'll be my insurance that takes the hammer, third party or not, I suspect.
No. It will be your arse that takes the hammer in prison. You're driving without suitable insurance and the onus is on you to ensure he is suitably insured, I understand. 
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