Your question: Is anyone insured to drive a courtesy car?

Do you need insurance to drive a courtesy car?

How does courtesy car insurance work? Even if you are offered a courtesy car while your own is being repaired, you still need to be insured for driving it. In all cases, check the level of insurance you will be provided for driving your courtesy car.

Do you pay for a courtesy car?

A courtesy car is a car provided free of charge, usually by the repairer or dealership and is likely to be what is available at the time.

Does my insurance cover a loaner car?

Your loaner car is specifically covered under your policy. However, your policy will only pay for damages that exceed the coverage on the garage’s loaner. So the loaner is primary and your policy would respond if needed.

What happens if courtesy car gets stolen?

When an accident is the other driver’s fault, your insurer will ask the other driver’s insurer to pay for your courtesy car. … The AA will provide you with a courtesy car if your car is stolen, and most upgrade policies will include this cover, too.

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How soon can I get a courtesy car?

As soon as the garage technicians have decided that the car is unsafe to drive, a courtesy car will generally be provided the next working day, so you don’t have to worry about getting around without a functioning car.

What documents do I need for courtesy car?

The Courtesy Car form you use should contain a statement that confirms the customer has had the controls demonstrated to them.

Courtesy Car Form

  • the customer’s name,
  • date of birth,
  • permanent address and address at the time of hire (if different), and.
  • full particulars of their driving license.

Can I get a courtesy car while my car is being serviced?

If you provide your Retailer with three weeks’ notice when you book the service, they will be able to give you a standard courtesy car which may still meet your requirements.

Do you get a courtesy car if your car is stolen?

The cause If your car is written off or stolen, many standard policies won’t give you a courtesy car as the clause only covers you for repairs. … Repairs Most standard policies include the clause that to qualify for a courtesy car, yours needs to be repaired at a garage approved by your insurer.

Do you get a courtesy car with a service?

As long as you go to an approved repairer, you’ll get a courtesy vehicle for as long as the repairs take. The courtesy car will be supplied when an engineer authorises the repairs, not before.

How do I get a loaner car from my insurance?

How Do I Get Rental Reimbursement from an At-Fault Driver’s Insurer?

  1. Contact the police. …
  2. Get the other driver’s contact and insurance information.
  3. Document how the accident occurred.
  4. Photograph any damage.
  5. If you believe the other driver is at fault, contact their insurance company directly to initiate a claim.
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What happens if someone hits your loaner car?

If you have someone else’s car under your control, you are in principle the one who is responsible. If you cause damage to a loaner car, this often means that you have to pay compensation for this damage. The owner of the car can recover the damage from you.

How many miles can you put on a loaner car?

Most loan cars programs require the dealer to leave the vehicle in loaner service for a minimum of 90 days. In that time, some will have 1000 miles on them, others could have 6000 miles. If you have choices, go with the lowest mileage vehicle that fits your needs.