Test drive insurance

Our test drive insurance is provided by Dayinsure. Email [email protected] and the Dayinsure team will respond within 24 hours.

Alternatively, please call the Dayinsure helpdesk on 0333 005 0944. Lines are open:

Yes, our policies cover a motorhome or campervan.

No, our policies are only available to buy online.

The price depends on your age, driving history, vehicle and how long you need cover for. Policies can start from a few pounds for an hour of cover. You'll see the exact price when you get a quote.

Your cover can start as little as 15 minutes after purchase, or at a later date and time if you prefer.

Your documents, including the insurance certificate, are available to download instantly after payment and via the confirmation email sent after purchase.

We’re unable to insure vehicles worth £75,000 or above, and certain makes and models are also excluded, such as performance or exotic vehicles. When you enter the vehicle registration number to get a quote, you’ll be advised if we can provide cover or not.

No. You’ll only be covered to drive the vehicle you specified when you got your quote. You’ll need to buy a separate test drive insurance policy for each car you want to test drive.

When you buy a policy, you are covered on that vehicle for the duration shown on your insurance certificate. 
Our minimum policy length is 1 hour. So if the second test drive falls within 1 hour of the policy inception you would still be covered. Outside of this you would need to purchase a second policy.

We guarantee to update the Motor Insurance Database (MID) every 7 days and in some cases more often, but we always recommend having a copy of your Insurance Certificate with you. You can drive the vehicle legally between the dates and times shown on the certificate of motor insurance.

You are entitled to cancel your policy at any time. Provided there have been no claims or incidents likely to give rise to a claim you will be entitled to a refund of unused premium.

If you choose to cancel this policy after cover has commenced, we will recalculate your insurance premium based upon the date your policy commenced until the date your policy cancelled and will refund you the difference between the recalculated insurance premium and the insurance premium you have already paid.

Please note the cost of a short term policy will be proportionally greater than a longer term policy and therefore you may receive a smaller refund than expected. Cover for days or part days which have already commenced will not be refundable.

No. You must have insurance to drive on UK public roads. Driving without insurance can lead to a £300 fine and six penalty points. Courts can issue tougher penalties.

While some dealerships offer insurance for accompanied test drives, private sellers generally do not. If you're test driving a vehicle from a private seller, you'll normally need to arrange your own insurance before driving.

Most of our RAC Test Drive Insurance policies are underwritten by Aviva, the UK’s largest insurer. In some cases, your policy may be underwritten by Mulsanne.

All insurance is fully comprehensive while driving in the UK.

Test drive insurance only covers the test drive. If you buy the vehicle, you'll need separate insurance to keep driving it. This could be a drive away policy, temporary car insurance policy, or an annual car insurance policy.