Insurance
You need cover that applies to you and this particular car before you drive it on a public road. Do not rely on assumptions about an existing policy.
Start with the essentials
Four things to settle before the car moves
None of these is difficult, but they are separate jobs. Sorting one does not automatically sort the others.
Vehicle tax
Tax does not pass to a new keeper. Arrange it in your own name before the journey, using the reference from the new keeper slip where appropriate.
MOT
Check the car has a valid MOT unless it is exempt. An advert, windscreen sticker or seller’s assurance is not enough.
Condition
A valid MOT does not prove that the car is safe today. Look at the tyres, lights, warning lamps and fluid levels before leaving.
If cover is the missing piece
Need insurance just for the journey home?
Short-term car insurance may suit a buyer who needs immediate cover while arranging an annual policy. It is a separate insurance product, with its own eligibility rules, exclusions, excess and period of cover.
Read the quotation and policy documents carefully. Check the start time as well as the date, and do not drive until the insurer confirms that cover is in force.
Get a short-term insurance quoteQuotes and policies are provided by Ramasis Limited, not Prudent Plus Limited. Eligibility and terms apply. Prudent Plus Limited may receive commission if you buy a policy through this link, at no extra cost to you.
Different ways of buying
Where are you collecting it from?
A private seller
You will be arranging the handover between you, so check the paperwork before money changes hands.
Private purchase guideA motor dealer
Find out exactly what the dealer is arranging and what is still down to you.
Dealer collection guideAn auction
Collection deadlines and an uncertain vehicle condition make a second plan worthwhile.
Auction collection guideA calm ten-minute check can prevent a difficult first journey
Walk around the car once more in daylight if possible. Check tyre condition, lamps, mirrors and number plates. Sit in the driver’s seat and find the lights, demister and fuel release before joining traffic. Adjust the seat and mirrors rather than trying to do it on the move.
Useful official checks
The government services for checking MOT status, checking vehicle tax and telling DVLA about a sale or purchase are free. Use the official pages rather than a lookalike service that may charge a fee.
If anything important does not match the advert or what you were told, pause. It is easier to sort out a discrepancy before accepting the car than after driving away.