Does breakdown cover include courtesy car?
If you crash your courtesy car or damage it in an accident, you’ll be covered by your insurance – so long as you have a fully comprehensive policy. You’ll also get another courtesy car. Just remember that you’ll still have to pay your excess to cover a portion of the repairs – so drive safe!
Does a courtesy car affect insurance?
Some insurance policies feature courtesy-car cover as standard. On others, it’s an add-on feature. However, you’re more likely to have cover if your policy is fully comprehensive. Third-party, or third-party, fire and theft insurance doesn’t usually cover courtesy cars.
Does insurance fix your car if you are at fault?
The insurer who pays for any third party costs, as well as their own policyholder’s repairs would be treated as an at fault claim. If you are considered at fault for an accident or loss, your insurer won’t be able to recover their costs if they’ve paid for your repairs.
Do I need to pay for courtesy car?
You need to be insured to drive a courtesy car and it’s important not to assume that you’ll have cover automatically. You might need to pay an additional cost to the car provider or have it added to your existing policy for an extra payment.
How long should you wait for a courtesy car?
How long can I keep a courtesy car? A courtesy car is usually only available whilst repairs are being completed or until a write-off settlement is agreed. A limit will be set, however; a maximum of 14 or 21 consecutive days is most common, but check the details of your policy to be sure.
How long does it take to get a courtesy car after an accident?
How long will I get a courtesy car for? Usually, you’ll only get a courtesy car for as long as it takes for your car to be repaired. With any luck, this should be within a few days, but some insurance providers do attach time limits, such as 14 or 21 days.
Does a dealership have to give you a courtesy car?
There is no legal or Code obligation on any accredited business to give you a courtesy car.
What happens if I’m at fault in a car accident UK?
If you were at fault, then your insurance company will pay for the vehicle repairs. You will pay the excess on your policy. This is the portion of any claim that you agreed with your motor insurer when you took out the cover.
How does a fault claim affect my insurance?
Regardless of whose fault it was, making a claim will almost always lead to an increase in your car insurance premium. Luckily a non-fault claim won’t affect it as much as an at-fault claim will. Even if you don’t make a claim after an accident, you could still see an increase in your insurance premium.
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.
What is a courtesy car after a non fault car accident?
Claiming for a courtesy car after a non fault car accident is the best way to ensure that you receive a like for like courtesy car after the accident. The courtesy car claim is made directly from the at fault vehicles insurance company meaning the courtesy car is provided at no cost to you or your insurance company.
How do I get a courtesy car after a car accident?
To get a courtesy car or temporary hire vehicle after the accident you have 2 options. Firstly your insurance company, they will often provide a courtesy car service should you have the appropriate courtesy car provision included within your car insurance policy.
What is a courtesy car claim?
The courtesy car claim is made directly from the at fault vehicles insurance company meaning the courtesy car is provided at no cost to you or your insurance company. Is The Courtesy Car Insured?
When do you need a courtesy car for a car repair?
If your own has been written off or if your vehicle is stolen. If the garage has no courtesy cars available. This is usually in the policy terms as a ‘subject to availability’ clause. If you’re under 21 years of age. If the car being repaired is a classic car or a campervan.