Courtesy Car Cover
When your car is out of action due to repairs, a courtesy car ensures you have a temporary vehicle to keep you moving. Here’s everything you need to know about this what a courtesy car is.
What is a Courtesy Car?
A courtesy car is a replacement vehicle provided temporarily while your own car undergoes repairs following an accident. Insurers or approved repair garages typically supply these vehicles, offering a practical solution if you rely on your car for daily activities.
Most comprehensive insurance policies include courtesy car cover if repairs are carried out at an approved garage. However, it’s important to confirm this in your policy details.
What kind of car can you expect?
Courtesy cars are generally compact models, often referred to as “Class A” vehicles, such as a Ford Ka or Nissan Micra. If you need a vehicle similar in size or functionality to your own car – for example, to fit your family or equipment – you’ll want a policy offering “like-for-like” cover.
How do you get a courtesy car?
You’re typically eligible for a courtesy car if:
- Your vehicle is being repaired after an accident.
- The repairs are performed at an insurer-approved garage.
Even if you were at fault, a courtesy car is often provided. However, this may not apply in cases where:
- Your car is stolen or written off.
- Minor repairs, like fixing a chipped windshield, are needed.
- The damaged vehicle is a classic car or camper van.
For cars that cannot be repaired or are written off, consider policies with replacement vehicle options for added assurance.
Rules and Restrictions to Know
Courtesy car arrangements vary between insurers. Common limitations include:
- Courtesy cars are often small hatchbacks with limited seating or storage.
- Usage may be restricted to a specific time frame or repair duration.
- Some insurers only provide third-party cover for the courtesy car, even if your primary policy is comprehensive.
- A minimum driver age (usually 21) may apply.
- Availability can be limited when traveling abroad.
Always review your policy for the exact terms.
Is Courtesy Car Cover Included in Insurance?
Comprehensive car insurance often includes courtesy car cover, but it’s not guaranteed. Policies such as third-party, fire, and theft generally exclude this benefit unless added as an optional extra. Checking policy details before purchasing is key to avoiding unexpected gaps in coverage.
Additional options for breakdown scenarios
If your car breaks down, standard breakdown cover usually won’t include a courtesy car. However, adding “Onward Travel” to your breakdown policy may offer a courtesy car for a length of time whilst repairs are ongoing.
FAQs
A courtesy car is usually available for the duration of your car’s repairs. This period depends on the complexity of the damage and the repair schedule.
If you’re involved in an accident, you’ll likely be covered under your policy’s terms. The process is similar to if you damaged your own vehicle, including paying the applicable excess.
Some insurers offer alternative fuel vehicles, but availability depends on the provider. Most offer standard petrol or diesel models by default.
If it’s part of your policy, you won’t typically pay for the car itself, only fuel costs or any applicable excess.
Contact your local council to register the courtesy car for temporary residential parking permits, ensuring you avoid fines.