Test Drive Generally Insured

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Test Drive Generally Insured
Test Drive Generally Insured

There is basically insurance cover for a test drive. But as always, the same applies here: no rule without exception.

A test drive with a new or used motor vehicle offered for sale is generally insured. However, the supplier of the car and even the potential buyer can be jointly liable in the event of an accident.

Regardless of whether the vehicle is offered by the dealer or a private seller, a test drive should only be carried out with registered vehicles. When you register for road traffic, cars are automatically insured against liability. This covers all damage caused to third parties.

Performance can be refused

This insurance cover also applies to short-term registrations, which can be recognized by a red license plate. Either the fully comprehensive insurance or the respective owner pays for damage to the vehicle. In the event of accidents that are the fault of the driver, for example due to drink-driving or excessive speed, the motor insurer can refuse or limit the benefits. In such a case, the driver will be asked to pay for the damage incurred, as well as any excess that may arise.

A different regulation for claims settlement can be made individually between the provider of the vehicle and the tester. You should make sure that both parties to the contract are written down and signed accordingly, so that you have official evidence of the agreements in the event of later disputes. If this is missing, testimony against testimony is sometimes available in a court case - and the statutory rules then apply again. In addition, the seller should definitely have the prospect show him an identity card and a valid driver's license.

Only with a driver's license

Because if the vehicle owner leaves a customer behind the wheel without a valid driver's license, he can lose the insurance cover provided by the comprehensive insurance. Motor vehicle liability has a right of recourse of up to 5,000 euros. With the corresponding documents, the seller also receives information about the identity of the potential buyer. If he does not return from the test drive with the vehicle, a criminal complaint can be filed. Those who keep their ID until the car is returned or even go on a test tour are on the safe side. (mid)