Not really as the insurance only covers a car to replace ours, like for servicing or if it broken down. Not for a car your test driving. Otherwise we’d be covered to drive any other car, but that is usually only 3rd party cover not fully comp. So it is what it is. The technicalities of contract law.
Guess you can pay for a waiver. Which to get a courtesy car now with most dealers, if you own your own car most dealers give an option to pay a fee to cancel the excess.
I guess there are more and more case now that people often test drive alone now they have accidents and because the sales person isn’t in the car. They could be driving in any manner.
I did a test drive in a tesla and if I remember the excess was a few grand. It was the day after it snowed before xmas and had a spare hour and because we could. Had no intentions of buying one.
EX30 SMER Ultra