Courtesy car insurance grants you access to a courtesy car if you have an accident and cannot use your own car. You must hand the car back once repairs to your own vehicle are complete.
It is usually part of your regular car insurance. However, a small minority of insurers do not offer it as standard, but may offer it as an optional extra.
Some insurers won’t give you access to a courtesy car if your own vehicle is a write-off or has been stolen. Check your policy documents for coverage.
There is usually a time limit after which you must return the courtesy car. This period should be long enough to cover the vast majority of repairs.
Some insurers will only give you a courtesy car if you use their approved repair providers. But you may wish to use your preferred garage for reasons of workmanship or locality.
You can claim against your own insurance for a courtesy car.
You can claim against the other driver's insurance for a courtesy car.
You won’t necessarily be lent a luxurious vehicle - you'll get one roughly similar to your own.
Your courtesy car needs to be insured. This cover may be afforded by your garage's insurance, or you may be able to add it temporarily to your own insurance while your own car is being repaired. Insurance may also be provided by the courtesy car firm. If you do have an accident in your courtesy car, the insurance policy will work in the same way as any other cover type; you’ll simply pay the excess.
Upon receipt of your courtesy car, note down and photograph any pre-existing damage - or you may be held liable for it when you return the vehicle.
Carefully read your policy document terms and conditions, and ensure you're aware of any fees associated with your courtesy car.