Is private buying "Motor Trade"?

[zcacogp]

Chaps,

Quickie. I'm about to go with a friend to look at a second-hand car for him to buy. He is less clue-y about cars and is taking me along to offer an opinion on the machine in question.

We're off to see a car for sale privately, and we're going to drive there in my car so that if he buys it he can drive his new car home.

I have just dug out my motor insurance details to double-check I am insured to drive any car, and so I can take the certificate with me to show the vendor to show I am insured. But I noticed on the certificate the statement "This policy does not cover ... use for any purpose in connection with the motor trade".

Does this mean that I am not insured to drive the 60 or so miles to see the car, with my friend, which he may buy? Does it also mean I am not insured to drive the car we may potentially purchase?


Oli.

[Riknos]

It means you can't call yourself a dealer and have 12 cars sat on your drive and be insured to drive them all under one policy - you need to have a traders policy instead if you wished to do that, so you'll be fine

[Big Fat Fatty]

No, on both counts.

If you're insured and the car you're looking at is still insured, you're perfectly fine.

[R1 Indy]

No, as you are not doing it for profit.

The motor trader bit is to stop actual motor traders from using a standard car policy to cover them driving trade cars 3rd party.

[zcacogp]

Riknos,

Thanks - that's what I thought!

Is it still a possibility that, should something untoward happen at any time during the day and the details got out, the insurance company may decline to cough up on this point? (I'm not concerned by this and won't let it stop me from doing as I planned; the question is more out of curiosity than anything else.)


Oli.

[Porkupine]

Why would you think buying a car privately is anything to do with motor trade. No! It's not!!! And they cannot refuse any payout for this reason unless you are a trader! Hope your curiosity is cured!

[LuS1fer]

Driving another car on your policy is 3rd party only. This means if you have an accident, your insurers will pay the person you hit but you have to pay for the car you've crashed. In short, you break it, you bought it.

[falkster]

I don't actually think you're insured on the car your friend bought because the trader will be insured on all his cars rather than all his cars are insured independantly.

[zcacogp]

Guys,

Thanks for your answers. Yes, curiosity assuaged!

Falkster - the car is for sale privately and the friend hasn't bought it - it's a potential purchase.


Oli.

[Porkupine]

Curiosity asausaged! Never heard that one before
Good luck on the viewing!

[Ozzie Osmond]

You are fine driving him there and then driving home in your car.

How is he going to get insurance on the car he just bought before he drives it home? It won't be covered under his "driving other cars" extension because he owns it. The extension only applies to other peoples cars.

You could drive his car home under "driving other cars" and he could drive yours under "driving other cars" if you both have that extension. But as others have said, both would be on a third party only basis.