When buying your very first car : After buying a used car from a dealer/private owner then drive home , what insurance should I have ? and also when doing a test drive how insurance work ?
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It probably depends on the country you're in, but usually, if you are financing the car through a financial institution, you'll have to offer to purchase a car then immediately apply for insurance. You'll only be allowed to take possession of the car once you have insurance. This usually takes only a few hours.
I don't think this applies when you buy the car cash. But in some countries, like England, you MUST be insured, no matter what.
As far as test drives go, the dealer is supposed to have insurance that covers any accidents you may get into, but may require you to pay an "excess" amount. However, you're only liable to pay it IF you were told about it beforehand and they can prove that you agreed to it.
In the UK, you must have at least third party insurance to cover you to drive the car. You have several different possible situations here though.
In the UK and the USA, you must have valid insurance to take the car on the road no matter what. No insurance - no driving on the road.
If you already have a car you are insured to drive, and you are the policy holder, your policy may allow you to drive other cars. Any other car you do drive must also have insurance on it. The cover will be pro-rata between the insurance companies, usually at third party only. This does not apply to named drivers, a named driver cannot drive another vehicle pro-rata.
A dealer should have a motor traders policy which will allow customers to test drive vehicles.
Short term insurance cover is available. It may also be available as an extension from your present insurers.