Used Car Insurance

Thinking of buying a second-hand vehicle? Find out what kind of car insurance you need when buying a used car

For many, second-hand cars are a much more affordable option than a brand new set of wheels, and with the current cost of living crisis, more and more of us are likely to consider buying a previously owned vehicle.

If you’re thinking about buying a used car, then you’ll want to sort out used car insurance to ensure you’re protected from day one.

What is used car insurance?

Used car insurance is a policy you’ll take out to insure your pre-loved vehicle. It’s exactly the same as standard car insurance and provides exactly the same coverage as if you were insuring a new car.

Do used cars need different insurance?

No, used cars can be insured with standard car insurance policies. They’ll have the same level of cover, and you can choose from the same options.

Third party insurance is the minimum legal requirement, covering you for damage to a third party, but not for the cost of repairing and replacing your own car.
Third party, fire and theft is the next level up, covering third party damage, plus cover for your vehicle following fire or theft.
Comprehensive car insurance covers damage to your car and its occupants, someone else’s car and its occupants, belongings inside your car, vandalism, and may give you a courtesy car if yours can’t be used due to an accident.

Do you need insurance to test drive a second-hand car?

Yes, even if you’re only test driving a car, you need to be insured. Dealers will usually have cover in place to allow you to test drive the vehicle, but if you’re buying from a private seller, you’ll need to sort your own cover.

Your current car insurance might have cover for Driving Other Cars (DOC) with the owner’s permission. If not, then you’ll need to take out temporary car insurance to cover you for the test drive. Always check you’re insured before you get behind the wheel.

How to get second-hand car insurance

Applying for second-hand car insurance is exactly the same as applying for insurance for a brand new car. You can get a quote online or alternatively find out more about our car insurance.

Tips for buying a used car

Whether you’re buying from a dealer or a private seller, here are some tips to help you in the process of buying a used car:

Give the car a good check

Some things to look out for when viewing a used car include:

Doors, windows and boot - check they open and close smoothly and securely.
Exterior paintwork - check for signs of repair work or rust. Don’t worry too much about minor scratches – they’re to be expected from a used car.
Tyres - check they’re in good condition and have a good tread.
Windscreen, washer and wipers - check for cracks or chips, and check that windscreen wipers and washers are working properly.
Lights and indicators - check they all work and check the front and rear lights for signs of cracks or fogging. 
Seat belts - check that they fasten and aren’t frayed or damaged.

It’s a good idea to take someone with you who has a good knowledge of cars and mechanics (if you don’t yourself), or to pay a professional mechanic to carry out a vehicle inspection for you for extra peace of mind.

Test drive the car

Always test drive the car to make sure everything is in good working order. Pay particular attention to the engine, the clutch, the gears, the brakes and the suspension.

And remember, you need to make sure you’re insured to drive the car before you take it for a test drive.

Check the V5C registration document

Make sure the Vehicle Identification Number (VIN), number plate, make and model of the car you’re buying matches what’s on the V5C (also known as the log book).

If you’re buying privately, check that the name of the registered owner is the same as the person you’re in contact with.