Private car sales..Test driving

MITCHAY · 22-03-2006, 09:53 AM

I was just wondering what the legalities of private car sale test drives would be as soon I will be test driving some cars and eventually someone will have to test drive mine when I sell it.

If the unfortunate happens and you crash the car your test driving does insurance (comprehensive) cover you so long as the owner is in the car? Yes I know it is very unlikely but would be good to know.

rag top · 22-03-2006, 10:06 AM

It depends on the owner's insurance cover, and what clauses are in their insurance policy.

MITCHAY · 22-03-2006, 10:11 AM

Yeah i was just wondering if anyone knew so I could avoid a phone call, as no one likes dealing with insurance companies unless they have to. I'm not stupid, I know if someone drives a car by themselves they want to wind it out and so they should, to see if it's suitable for them. So long as they ain't be stupid like doing burnouts, and handbrake turns.

22-03-2006, 10:34 AM

AAMI :States that you the owner must be a passanger in the car or your car is not covered

Kenster · 22-03-2006, 10:51 AM

Quote:

Originally Posted by Stampy

AAMI :States that you the owner must be a passanger in the car or your car is not covered

that sound about right so far i knew when my parents went to get my sister car the owner of the car sat next to my dad during the test drive

pauljh74 · 22-03-2006, 12:08 PM

It's sensible to accompany the test driver - stops them from stealing it too. Open the car yourself, unlock the driver's door for them if needed and hand them the keys only when you are in the car. Get the keys off the driver before exiting the car.

3Toed · 22-03-2006, 12:13 PM

Quote:

Originally Posted by Stampy

AAMI :States that you the owner must be a passanger in the car or your car is not covered

Bugger if your car gets stolen then, eh? :P

22-03-2006, 02:05 PM

Also some insurance companies don't allow under 30s in an older driver's insurance terms.

Pedro · 22-03-2006, 04:46 PM

A mate off mine had his car for sale quite a few years ago. This dude rocks up in an old car and asks if he can drive the one for sale. My mate tossed him the keys and never saw his car again ... was left with the old car which was worthless.

Feathers · 22-03-2006, 05:06 PM

Yeah, always go with them on the test drive. My Dad was selling my mum's old car and some guy test driving it was riding the clutch at lights, which my Dad noticed. He HATES that, so when they got back to the yard, and the guy started saying how much he liked it, and was willing to go get the cash to pay for it right then, my Dad told him it wasn't for sale anymore.

blutura · 22-03-2006, 06:45 PM

wait, so your dad wouldn't sell the car because the guy was riding the clutch?
why?

rag top · 22-03-2006, 09:48 PM

I had a modified car insurance policy through a broker, and they only covered pre-approved nominated drivers to drive the vehicle, regardless of age.

Selling it was a bugger, as the potential buyers did not want the risk, and I was up front about the status of insurance.

Feathers · 22-03-2006, 10:08 PM

Quote:

Originally Posted by blutura

wait, so your dad wouldn't sell the car because the guy was riding the clutch?
why?

Because he had rebuilt the car, and redone the gearbox after it was stolen and damaged, and he knew from the way the guy was driving, that he would wreck it pretty quickly, so he told the guy to get lost, and sold it a few weeks later to someone who showed more respect for it.

Auslandau · 22-03-2006, 10:18 PM

Simply give your insurer a ring and ask. Shouldnt be a problem if you are with them during the drive. If you give someone the keys its not regarded as stolen, 'borrowed' is different and if they are under 25 it may not be covered. Most insurance companies will have a clause about declaring under 25 drivers. If they are over this shouldnt be a problem. Larger companies like Racv do not need a designated driver on the insurance forms if you are with them. If you are not and they trash it, there may be complications. 'small print'
It is better to email though cos you get a response in writting and they are bit more careful on how its worded.

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