Courtesy car cover explained
You should always do thorough research to know what's covered before driving a courtesy car.
Whether it's the slog to work, loading up on your weekly shop, or moonlighting as the family's taxi service, it's no surprise we've become so reliant on our four wheels.
As it's become such a typical way of getting from A to B (and sometimes C and D), it's reassuring to know you might not be carless if yours is on the mend.
How is a courtesy car covered under a comprehensive car insurance policy?
If you have comprehensive car insurance, it may include a courtesy car as standard, or you may be able to purchase it as a add on.
When your vehicle is off the road due to an accident, most providers provide a courtesy car once your claim is accepted and you’re using an approved repair network. However, not all claims qualify; for instance, glass-only claims don’t include a courtesy car. Understanding these details ensures you’re prepared and supported throughout the repair process.
It’s also worth noting courtesy cars are typically not available outside the UK, and the provider may have specific criteria, such as age limits or restrictions on provisional licence holders, or who is allowed to use the car.
Will my courtesy car be the same model as mine?
No, courtesy car benefits under comprehensive car policies do not generally supply a like for like vehicle. Typically, courtesy cars are small three door hatchbacks with 4 seats, but some insurers offer the option to upgrade cover to a larger vehicle.
Dealing with damage claims for a courtesy car
You will have to pay an excess just like you would with your own car. If courtesy car cover is included in your comprehensive car insurance policy or if you've added as additional cover, the claim is made against that policy. It’ll be treated as a separate insurance claim that you’ll have to declare when buying your next policy.
Related articles
