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When I last did some test drives I was told the same thing. I thought it was dealers trying it on, but one that I trust said that our Motability insurance doesn’t cover us for test drives. From memory I thought the dealer excess was £1k (but it might vary by dealership) but for a modest fee you could bring the excess down to £100.
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
When my cars go in for a service I’ve always had a hefty excess on the courtesy car too. Doesn’t stop me borrowing one, I just hope for the best and drive/park even more carefully….
I test drove a Mach e twice before purchasing, first time for two hours, the second time for 24 hours. On both occasions, I had a £500 hold placed on my card as collateral/excess.
I took a Skoda Enyaq for a test drive on Sunday, I previously had an accompanied test drive with another dealer that didn’t offer solo test drives but the one that I spoke with on Sunday really wanted me to have a test drive, he took me out to the car gave me the keys and said see you later, “aren’t you coming with me?” “no no” he says “you’ll be fine!” no fafing about with insurance ………… So very relaxed. Guess who I’ve order the car from? Shout out for Simpsons Skoda in Colne.
I have also taken a Toyota BZ4X for a test drive before Christmas, I was hoping that it would come back onto the scheme in January, alas it didn’t but the dealer had me sign insurance documents for a pretty large excess, think it was £750. The demonstrator was just 2 wheel drive but I really wanted to test the AWD unfortunately it wasn’t available so booked a test drive with Subaru for a Solterra which is the same car with AWD, that was good and they loaned it to me for about 4hrs, no insurance documents to sign. It’s a shame that Subaru don’t offer the Solterra on motability, I really enjoyed that test drive. If it had been on the scheme, I would have signed up there and then.
I’ve also had a solo test drive of the Ford Mache, again for about 4hrs with no messing about with insurance, again very relaxed but it’s not the car for me and I don’t think it’s on the scheme at the moment.
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