test driving - no insurance disk

RLJ

I test drove a Fiesta and a Corsa today. Neither had insurance displayed. What is the situation if the garda stop me. My insurance covers me to drive any car but what about display? I am assuming the cars are insured by the dealer's insurance?

x in the city

F A I L

RLJ

x in the city wrote: »

F A I L

don't understand?

Yakult

If it was a dealer Im pretty sure you would be covered. Its something like that.

leeroybrown

You're be covered on the dealers insurance.

Buffman

x in the city wrote: »

F A I L

Very helpful.:rolleyes:

ownknee

I think if there is a sales man from the garage with you then you are covered.
But unless you are over 25 with a full licence & fully comprehensive with open drive then no I don't think you are covered.
I could be wrong though.
By the way I've gone to a few garages that let me take out cars on my own even though at the time I only had provisional. It was only afterwards I found out. If I got into an accident I don't know who would be liable, I presume the garage for costs but I think I could have still lost my licence even though it was they're responsiblity to make sure a fully licenced driver was taking the car for a spin.

RLJ

ownknee wrote: »

I think if there is a sales man from the garage with you then you are covered.
But unless you are over 25 with a full licence & fully comprehensive with open drive then no I don't think you are covered.
I could be wrong though.
By the way I've gone to a few garages that let me take out cars on my own even though at the time I only had provisional. It was only afterwards I found out. If I got into an accident I don't know who would be liable, I presume the garage for costs but I think I could have still lost my licence even though it was they're responsiblity to make sure a fully licenced driver was taking the car for a spin.

I am over 25 with a full licence and am insured to drive any car. I was alone. The car is probably insured but did not have disk displayed. Who would be responsible for for non display is what i was trying to clarify. Thanks

whippet

as far as I am aware, the driver of a car has the ultimate responsibility for the legal status of the car on the road.

It is up to you to ensure that the car is taxed, insured to be on the road, suitable to be on the road and that you are licensed and insured to be driving the car at all times.

This would also boil down to simple little things like displaying of tax, insurance & NCT certs, Reg plates .. etc.

Del2005

ownknee wrote: »

I think if there is a sales man from the garage with you then you are covered.
But unless you are over 25 with a full licence & fully comprehensive with open drive then no I don't think you are covered.
I could be wrong though.

It depends on the policy the garage has as to who's insured.

By the way I've gone to a few garages that let me take out cars on my own even though at the time I only had provisional. It was only afterwards I found out. If I got into an accident I don't know who would be liable,

You had no insurance. If you where in an accident we'd all be liable, uninsured drivers levy, and it's the drivers responsibility to ensure they are legally allowed to drive the vehicle they are getting into.

I presume the garage for costs but I think I could have still lost my licence even though it was they're responsiblity to make sure a fully licenced driver was taking the car for a spin.

You should have told them you needed to be accompanied or else bring someone who could accompany you. It's never someone else's job to make sure you're complying with the law.

If the worst did happen then the garage may have had some liability for letting you out, but you where at fault.

LoveDucati2

You are only insured on other cars if they are insured too.

SV

LoveDucati2 wrote: »

You are only insured on other cars if they are insured too.

Not true.

from Quinn(as an example)

Driving other cars
If your certificate of insurance says so, we will also cover you, the
policyholder, for your liability to other people while you are driving
any other private motor car which you do not own or have not
hired under a hire-purchase or lease agreement, as long as:
1 the vehicle is not owned by your employer or hired to them
under a hire-purchase or lease agreement;
2 you currently hold a full European Union (EU) licence;
3 the use of the vehicle is covered in the certificate of
insurance;
4 cover is not provided by any other insurance;
5 you have the owner’s permission to drive the vehicle;
6 the vehicle is in a roadworthy condition; and
7 you still have your vehicle and it has not been damaged
beyond cost-effective repair.