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Jul 18 2024 • < 1 min readTest Drive Car Insurance
Get fully comprehensive cover to test drive a car being sold privately, protecting the seller’s no claims bonus.
Part of the Admiral Group
What is Test Drive Insurance?
Test drive insurance removes the risk and ambiguity from buying a car privately. It provides the buyer with fully comprehensive cover for the specific purpose of test-driving a vehicle they intend to buy.
This protects the seller’s no claims bonus, as the buyer has their own separate policy. It ensures the test drive is legal and that the vehicle is covered against damage during the trial.
With cover available from just one hour, it is a cost-effective way to ensure a car is right for you without relying on the seller’s insurance, which often doesn’t cover other drivers.
How does Test Drive Insurance work?
When you arrive to view a car, simply enter its registration and your licence details into the Veygo site on your phone.
You can get a quote and purchase cover in minutes. The insurance certificate appears instantly in the app, which you can show to the seller as proof of comprehensive cover.
If you don’t buy the car, the policy simply expires; if you do, you can use Drive-Away insurance to get it home.
Vehicle
Tell us the vehicle registration and who owns it.Driver
Fill in the driver’s details and driving licence number.Quote
If you’re happy with it, you can pay there and then.Just go
Your cover will start whenever you want.Who is eligible for Test Drive Insurance?
You must be 17-75 with a valid full UK/DVLA licence. The car must be UK registered with a valid MOT. Value and group limits apply (e.g., max £30k value for under 21s).
Cover is valid for driving in Great Britain only.
Test Drive Insurance benefits
100% no claims bonus Protection
The car owner’s insurance record is completely unaffected by your driving.
What does Test Drive Insurance cover?
Fully comprehensive cover for the duration of the test drive, covering damage, fire, and theft.
Cover applies strictly to roads in Great Britain.
- Test driving a car from a private seller.
- Checking a car’s performance before buying.
- Taking a vehicle for a mechanical inspection.
- Ensuring you are comfortable with the car.
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How do I get a quote?
You can get a quote with Veygo, here.
You’ll be able to enter in all your details quick and easy and be able to get a quote in no time! Unfortunately our agents cannot provide quotes over the phone or by email.
Can I add another driver to my policy?
Unfortunately, another driver or car can’t be added to your existing insurance policy, but you can buy a separate insurance policy for the other driver or car you wish to insure. When purchasing for another driver, they’ll need to continue as a new customer and create their own account with an alternative email address. Easy!
Can I negotiate my insurance policy price?
Not sure about the price or why it’s changing? The price you see going through the quote is only a guide.
Once you have entered all the information, you will be shown the final price on the “Your Final Quote” page and this will be an accurate price, based on all your details. Our agents will not be able to change or amend this price.
Can I tax a car if I have temporary insurance?
Atually, yes – you can. You can tax your vehicle with a temporary policy at the DVLA website. Or, if you want to go old-school, you can take your temporary insurance docs to the post office.
Can I use Veygo learner driver insurance to take my driving test?
Veygo learner driver insurance does provide cover for your practical driving test. You may be asked to take a copy of your certificate of insurance with you, which is available to download as a PDF document within your Veygo account. To view this, please log in, go to ‘My account’ and select ‘Purchases’.
Should you wish to, you can also use your own vehicle to take your driving test. Please bear in mind that the car needs to meet certain legal requirements, which can be found at GOV.UK.
Important: If you pass your test, this insurance will no longer be valid, as it only covers provisional licence holders. This means you won’t be able to drive home from the test centre. But you can get a quote for our temporary cover if you continue sharing the car. Good luck!
Will my price change after passing my test?
Your price will change after you pass, but not right away. With Learner + New Driver, your first month after passing remains the same as your learner price. After that, your price will adjust based on your new driver quote, which we will share with you once you pass.
Your new driver price will be directly linked to your driving score in the Veygo by Admiral app, which means it will change based on your driving behaviour. If your driving score is good because you’ve been driving safely and responsibly, your subscription price may decrease. However, if there are changes in your driving behaviour that means your driving score is lower, then your subscription price may increase.
We know how important every pound is at the moment. Adjustments to your subscription price will come into effect every three months and will always be communicated to you in advance.