Motorists are being reminded to double-check their insurance before getting behind the wheel of a new car.
With the arrival of the new ’76’ registration plate this September, dealerships across the UK are preparing for a busy month of test drives and vehicle collections.
Industry analysts at the Society of Motor Manufacturers and Traders (SMMT) predict that 75,000 new vehicles will leave UK dealerships this week alone, with total sales expected to exceed 300,000 by the end of the month.
However, insurance specialists warn that many drivers mistakenly assume they are automatically fully insured when test driving or collecting a newly purchased car.
Tom Warsop, motor insurance expert at Covertime.com, said: “The arrival of a new registration plate is one of the busiest times of year for new car sales, so it’s understandable that buyers are focused on choosing the right vehicle and securing the best deal.
“However, insurance is just as important.”
Mr Warsop said it is a “worryingly common insurance blindspot” for drivers to assume they are covered during test drives or when picking up a new car.
He said: “Before getting behind the wheel for a test drive, motorists should check exactly what cover is in place and ensure they are fully insured for the journey ahead.
“While most franchised and independent dealerships will have some form of motor trade insurance that allows prospective buyers to test drive vehicles, but the level of protection can vary, and drivers shouldn’t assume all dealerships offer comprehensive cover.”
In some cases, the insurance provided may be third-party only, meaning damage to the vehicle being driven may not be covered.
Additional restrictions, such as age limits, licence requirements, or excess payments, may also apply.
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Mr Warsop said: “Collecting a new car is exciting, but it’s also one of the easiest times for drivers to make assumptions about their insurance cover.
“While some dealerships may ask buyers to confirm insurance arrangements before collection, they aren’t legally required to check cover is in place before they hand over the keys.
“Ultimately, it’s the driver’s responsibility to ensure they are properly insured before driving away.”
For those who only need short-term cover, temporary car insurance may be a suitable option.
Covertime is advising motorists planning to buy a new vehicle this September to confirm what insurance is in place before a test drive, check for any restrictions on dealership-provided cover, and make sure a valid policy is active before driving a new vehicle home.
Driving without insurance is illegal and can result in a £300 fine and six penalty points on your licence.
More serious cases could lead to an unlimited fine, a driving ban, or vehicle seizure.
