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- What is a courtesy car?
- Will my car insurance give me a courtesy car?
- When might I not get a courtesy car?
- What courtesy car will I get?
- Am I insured to drive my courtesy car?
- Are my named drivers covered to drive my courtesy car?
- What happens if I crash a courtesy car?
- How do I get a courtesy car after an accident?
- Do I get a courtesy car if the accident is my fault?
- Do courtesy cars have black boxes?
- How much does courtesy car cover cost?
- What should I look out for when getting a courtesy car policy?
- What is the difference between courtesy car and hire car cover?
- Compare car insurance
What is a courtesy car and does your car insurance include courtesy car cover?
Having a courtesy car as part of your breakdown cover can be extremely useful when your vehicle is undergoing repairs. With the ability to receive a courtesy car, you can stay mobile and continue your daily routines without interruption. Here’s how having this insurance coverage can benefit you in keeping you on the road.
What is a courtesy car?
A courtesy car is a temporary vehicle that is made available to you when your primary car is undergoing repairs. It serves as a solution to the inconvenience of not having access to your own vehicle, allowing you to continue with your daily routines while your car is being fixed. This service is often provided by either the repair garage or your insurance company.
For individuals who heavily rely on their cars, having a courtesy car can be an essential component of their car insurance policy. This type of coverage is particularly useful in ensuring that you can keep driving and remain mobile, even when your own car is unavailable. In some cases, having a courtesy car can mean the difference between being able to go to work, run errands, or take care of important appointments.
When choosing your car insurance policy, it’s important to consider whether it includes a courtesy car as part of the package. Some insurance companies offer this as a standard feature, while others may charge an additional fee for it. In either case, it’s worth considering the peace of mind that comes with knowing you have access to a temporary vehicle in the event of a breakdown or accident.
Will my car insurance give me a courtesy car?
Having a courtesy car as part of your car insurance policy can be a valuable resource in the event of a breakdown or accident. If you have fully comprehensive car insurance, it’s likely that this type of coverage is included as a standard feature. To confirm whether or not a courtesy car is included in your policy, it’s best to carefully review your policy document or contact your insurance provider.
In some cases, even if you don’t have fully comprehensive car insurance, you may still have the option of adding a courtesy car to your policy as an optional extra. While this may increase your monthly premium, it can be well worth it if you frequently rely on your car and would like the peace of mind that comes with having a temporary vehicle in the event that your own car is out of action.
Hiring a temporary car can be expensive, especially if you need it for an extended period of time. By including a courtesy car as part of your car insurance policy, you’ll save yourself from incurring additional costs and be able to keep driving and remain mobile, even if your own car is being repaired.
When might I not get a courtesy car?
While a courtesy car can be a valuable resource for individuals who rely on their cars, it’s important to understand that in some situations, your insurance policy may not cover you for this type of coverage. Some of these situations include:
- If your car is stolen: If your car is stolen, rather than damaged in an accident, your insurance policy may not cover the cost of a courtesy car. It’s important to carefully review your policy document and understand what types of incidents are covered by your insurance policy.
- If your car is written off: If your car is deemed a total loss, or written off, as a result of an accident, it’s unlikely that your insurance policy will cover you for a courtesy car. In these cases, you may have to rely on alternative transportation options.
- If the damage is limited to your car’s windscreen or windows: In some cases, if the damage to your car is limited to the windscreen or windows, your insurance policy may not cover the cost of a courtesy car. This type of damage is often considered minor and may not impact your ability to drive your car.
It’s important to carefully review your insurance policy and understand what types of incidents are covered by your insurance policy. If you’re unsure about whether your policy covers you for a courtesy car in the event of a theft, accident, or windscreen damage, it’s best to contact your insurance provider for clarification.
What courtesy car will I get?
When it comes to choosing a courtesy car, the process can vary depending on the garage or insurance provider. In most cases, the garage carrying out the repairs will determine which courtesy car you’ll be provided with. However, if the garage has a variety of different cars available, you may be given the option to choose the one you prefer.
It’s important to keep in mind that courtesy cars are typically small, modest vehicles that are meant to serve as a temporary solution while your own car is being repaired. Don’t expect a luxurious or high-end vehicle, as the goal of a courtesy car is simply to get you from point A to point B during this time.
However, some insurance policies offer a “like for like” courtesy car option. This means that if your car is a 7-seater, for example, you should be provided with a temporary car that has a similar capacity. This can be especially useful for those who rely on their car for transporting a large number of passengers, as it ensures that their transportation needs will be met even while their car is being repaired.
Am I insured to drive my courtesy car?
Driving a courtesy car requires you to have proper insurance coverage, regardless of who is providing the car. If your courtesy car is included in your insurance policy, your insurer should automatically provide coverage for you to drive it. However, if you’re obtaining a courtesy car through another source that is not covered by your insurance, it is vital to ensure that you have adequate insurance coverage before driving the car.
Driving any vehicle without insurance is illegal, and you could face severe consequences, including fines and even imprisonment if caught. Therefore, it is important to consider purchasing additional insurance coverage if your current policy does not cover the courtesy car.
You can typically purchase temporary insurance coverage specifically for the courtesy car, which can provide peace of mind and ensure that you’re legally covered while driving. It’s also a good idea to check with the provider of the courtesy car to see if they offer insurance coverage, as this may be an affordable and convenient option.
Are my named drivers covered to drive my courtesy car?
When it comes to driving a courtesy car, most insurance policies automatically cover all named drivers listed on your policy. This means that if you have named drivers on your policy, they should also be covered to drive the courtesy car. However, if the courtesy car is not being provided by your insurance company, it may be necessary to purchase additional insurance coverage for the car.
It’s important to note that the coverage provided by your insurance policy may vary depending on the type of policy you have and the specific terms of the policy. For example, some policies may only cover you to drive a courtesy car if your own car is being repaired due to an accident that is covered by your policy.
Therefore, it’s essential to thoroughly review your insurance policy and understand what coverage is provided for courtesy cars. If you’re unsure about the coverage provided by your policy, you can reach out to your insurance provider for clarification. Additionally, if the courtesy car is not being provided by your insurance company, you can research different insurance options to ensure that you have adequate coverage while driving the car.
What happens if I crash a courtesy car?
Driving an unfamiliar vehicle, such as a courtesy car, can sometimes be a challenge and increase the risk of an accident. However, if you do have a fully comprehensive insurance policy, you can be reassured that you will be covered if you crash or damage the courtesy car in an accident.
It’s important to note that while your insurance policy will cover the damages, you will still be responsible for paying the excess. The excess is the portion of the repair cost that you are responsible for paying and is typically specified in your insurance policy.
If you do have an accident with the courtesy car, your insurance company will typically provide you with another courtesy car while your original car is being repaired. This allows you to continue with your daily activities without having to worry about finding alternative transportation.
In summary, if you have a fully comprehensive insurance policy and you crash or damage a courtesy car, you will be covered by your insurance. However, you will still need to pay your excess to cover a portion of the repairs. It’s always best to drive safely and be cautious when driving an unfamiliar vehicle, such as a courtesy car.
How do I get a courtesy car after an accident?
If you are involved in a car accident, it is important to seek assistance from a reputable and approved garage. Your insurance provider has a list of approved garages and it is important to take your vehicle to one of these garages to ensure that your car is properly examined and repaired. If the examination reveals that your car needs repairs, the garage will provide you with a temporary replacement vehicle, commonly referred to as a courtesy car. This way, you can continue to drive and carry out your daily activities while your car is being fixed.
It is important to note that if you take your vehicle to a non-approved garage, your insurance provider may not cover the cost of the courtesy car and you may have to pay for it yourself.
Do I get a courtesy car if the accident is my fault?
If you’re fully covered with a comprehensive car insurance policy, getting a courtesy car after an accident, regardless of who was at fault, should be straightforward. However, if you only have third-party insurance, the situation becomes more complex.
In the event of an accident caused by another driver, you can claim for a courtesy car through their insurance. On the other hand, if you are found to be at fault, you may not be eligible for a courtesy car unless you have specifically added it as an optional coverage to your policy. It’s important to understand the limits and coverage of your insurance policy to ensure you have the proper protection when you need it.
Do courtesy cars have black boxes?
If you are provided with a courtesy car following a collision, you have the privilege of using it as you would your own vehicle. However, it should be noted that the vehicle still remains the property of the garage. As such, the garage might have some form of monitoring system in place to keep track of the car’s usage. This could include the installation of a black box, also known as telematics, which collects data on the driving behaviour of the person using the car. The purpose of these devices is to promote safe driving, as some garages are concerned that drivers may be less cautious when operating a vehicle that they do not own.
How much does courtesy car cover cost?
You shouldn’t expect to incur a high cost for courtesy car coverage as the amount charged is typically not more than £50. This could be a significant saving for you, especially if your car is in the repair shop for an extended period of time and you would otherwise have to pay for a rental car.
However, there are some insurance policies that offer a complimentary courtesy car as a standard benefit. This means that if you have a fully comprehensive car insurance policy, you may be able to get a temporary replacement car without any additional costs. This can provide significant savings and added convenience for policyholders during the repair process.
What should I look out for when getting a courtesy car policy?
When you get a courtesy car through your insurance coverage, it is important to understand all the details of the policy before accepting it. Before making a decision, consider the following points:
- What is the duration of the coverage? Are there any restrictions on the number of days you can use the courtesy car in a year?
- Does the policy cover theft or total loss of your vehicle? If so, will you be eligible for a courtesy car in these situations?
- Are you guaranteed to receive a like-for-like courtesy car, one that has similar specifications and features as your own car?
- Is it mandatory to get the courtesy car from an approved garage or can you choose any garage of your preference? Knowing this information can help you determine whether the policy meets your specific needs and requirements.
In addition, be sure to understand any exclusions or limitations of the policy, such as the type of accident or damage that may not be covered, and what documentation you need to provide in case of an accident. Read the policy document in its entirety to make sure you have a clear understanding of all the terms and conditions, and what you can expect from your courtesy car coverage.
What is the difference between courtesy car and hire car cover?
A courtesy car can only be made available to you after your claim has been approved and it has been determined that your vehicle can be repaired. It is also important to note that the car must be repaired by a repairer that is approved by your insurance provider. On the other hand, a hire car is provided by one of the approved retailers of your insurance company and can be utilised by you throughout the entire duration of repairs being made to your car, or if your car has been stolen or declared a total loss.
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