How am I insured during a test drive?
Buying a new car? Then it is wise to take a test drive first, whether you are buying a new car or a used one. Even when you make a test drive, the risk of damage is still present. The big question is: how are you insured when you make a test drive? And who is responsible?
Test drive
While driving a test drive, you get involved in an accident, causing serious damage to the car. When someone else, a possible other party, is liable for the accident, the vehicle's damages can be recovered from their liability insurance. But what happens at the time when you are the liable party for the accident.
Legal liability
If you are found liable, you will have to cough up the damage to the other driver's vehicle. This is why it is important to find out before the test drive whether and exactly how the car is insured. Damage to someone else's car can be covered if you have third-party car insurance. In addition, it is required by law to have third-party car insurance anyway. Given that you are not (yet) the owner of the car at the time of the test drive, this car insurance falls under the responsibility of the seller.
All-risk cover
With a third-party insurance you cover the damage to others, but what about the damage to your 'own' car? A car insurance with WA + Casco coverage (All Risk) compensates, besides the damage you cause to others, also the damage to your own car. When no All Risks cover is taken out for the car, you risk having to pay for the damage yourself. If this is the case, claiming the damage will affect the premium and the claim-free years of the car insurance, which will eventually disadvantage the seller. This is because this car insurance is also the responsibility of the seller.
Own risk
When the car is insured during the test drive, the insurer will probably apply an excess. It is wise to inquire about the amount of this excess in advance. The excess implies the amount to be paid by yourself in case you have caused damage during the test drive. In addition, it is wise to have a paper drawn up in advance on how exactly the car is insured. This way, you will not be faced with unexpected results in case of damage.
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