What Is a Courtesy Car Guarantee

If you rely on your car to get around, be aware that if your own car is unfit after an accident, your insurer will help you with a free car. If you absolutely need to have a larger car or want a vehicle with a higher specification than the base model, which is the standard for a replacement car, look for a package that gives you these options. However, be prepared to pay a little more. But do you know exactly what your policy covers? This could exclude coverage if your car has been stolen and could be «subject to availability» – which is not much help if you have to go to work or take the kids to school. You may have to pay an additional fee to the garage or company that provides your free car to cover the insurance, but they can also offer the insurance for free. You may also be covered by your own car insurance or be able to arrange coverage for a small fee. The Association of British Insurers is not satisfied with the loan scam, saying it is increasing the cost of renting a car and the cost of car insurance by more than £80 million. However, it has not been possible to prevent some car rental companies from trying it. A courtesy car is a temporary vehicle offered for use by a garage while your car is being repaired. Courtesy cars are often included as part of the insurance, depending on your level of coverage. Unfortunately, we cannot provide a courtesy car if your car is: at the lowest level of coverage, some policies do not guarantee a courtesy car at all. If the demand is high and the repair center does not have a suitable car available, you cannot get one.

Other agreements guarantee your right to a simple courtesy car, which can be a small 1000 cc sedan. And there are exceptions. The AA will provide you with a courtesy car if your car is stolen, and most upgrade policies also include this coverage. If you crush a courtesy car, any insurance you have for the free car will be paid. You should be entitled to another courtesy car. However, a good insurance policy ensures that no matter which workshop you need to use, you get a courtesy car. The good news is that once the decision has been made to repair the car, you can keep the car free as long as your car is repaired. One of the benefits of using our authorized repairers is the fact that we can make sure you stay mobile while your car is back in working order. A courtesy car, i.e.

a car provided to customers «as a courtesy», was originally a service provided by some workshops when customers` cars underwent major repairs. Now, courtesy cars are more often included in insurance policies and are paid for by the insurer, although you still often get the courtesy car from the garage you use for the repair. Usually you get a small sedan as a courtesy car — for example, a Ford Ka, Fiat 500 or Nissan Micra. These are called «Class A courtesy cars». A courtesy car is usually provided by the authorized repair shop that will repair your car. So what happens if your car is stolen or written off in an accident? If there is no car to repair, are you still entitled to a courtesy car? Any driver who has been involved in a car accident or car theft knows how much it can disrupt your life. The last things to worry about are the extra costs for rental cars, taxis or public transport. If you`re without a car for a few days, one of the first questions you`ll probably ask yourself is, «Does my insurance company offer me a courtesy car?» In this article, we`ll explain how car insurance works, what`s included and what`s excluded, and how you can improve your coverage with a guaranteed car rental policy. So, if you are unsure of the insurance status of the courtesy vehicle, you should contact your courtesy vehicle provider for more details. Many insurers, such as Admiral, allow all the mentioned drivers to drive a polite car. However, this is not always the case. You need to review the policy to be sure.

You`ll need to check the policy details to see if free car coverage is included. But it`s likely that if you have a comprehensive insurance policy, you`ll also have free car coverage. Some drivers who were involved in accidents that were not their fault received a courtesy car from the other driver`s insurer – only to find out later that they had to pay for it! Some insurance companies include a courtesy car as a standard feature when a policyholder`s car is involved in an accident. If this is the case, the premium automatically includes the costs. In other cases, you can add it as an option. However, you will have to pay the deductible for damage to the free car. If it later turns out that the accident is not to blame (the fault of another driver and your insurer can recover the damage from their insurer), you will be reimbursed for the deductible. Usually, you will receive a courtesy car if your car is damaged in an accident and needs to be repaired. Most policies exclude theft and depreciation – if you need to buy another car, you won`t get a courtesy car. Some insurers also offer free auto coverage for fire damage as part of their third-party fire and theft insurance. The majority of insurers now offer free auto coverage as part of comprehensive insurance, but you should compare both the price and the coverage they offer. We looked at the insurers that offer free car coverage and determined the conditions that apply – the table below shows our selection.

The offer is valid for full coverage, including a free car. The car will likely be a so-called Class A courtesy car, something like a Ford KA or a Nissan Micra. Many insurers now offer free auto coverage as standard with their comprehensive auto insurance. In fact, it has gradually become the norm for comprehensive policies to offer free car insurance by default – only a minority of policies now exclude it. .