Our temporary courtesy car insurance cover is designed to offer the cover that motorists need in order to drive on a particular day, and it’s an affordable solution when you are looking to get behind the wheel for a short period of time.
Will my insurance cover a courtesy car?
While some policies will cover you to get a courtesy car, you may still have to pay for insurance to use it. … If you were involved in an accident and the other driver was at fault you can claim for a courtesy car against their insurance, whether or not your own insurance policy offers one.
Can you temporarily insurance someone on your car?
Yes. Someone else can insure themselves on your car with temporary car insurance. It can be useful if you and a friend are sharing the driving on a road trip, or a family member is borrowing your car. They can buy cover for 1 hour up to 30 days.
Does 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.
Are named drivers insured on courtesy cars?
If an insurer provides you a courtesy car, it will normally be insured for you and any named drivers on your policy. However, the level of cover that you get might not be the same as in your main policy – you should definitely check. … You could use temporary car insurance to cover the gap. Do check that you’re insured.
Is a courtesy car free?
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.
How does insurance work with a courtesy car?
Courtesy car insurance cover
Courtesy car cover is often included as part of your comprehensive car insurance package, rather than a stand-alone policy. It provides a car for you to use for your day-to-day activities while your own car is in the garage after an accident.
Can you insure a car for an hour?
One hour car insurance policies offer a number of benefits over standard, long term agreements: You get comprehensive cover. … That means you’re protected in a wide range of situations, perhaps even more so than many annual policies can offer you. You only pay for what you need.
Can I drive an uninsured car on my insurance?
Is that allowed? No, it is illegal for an insured driver to be driving an uninsured car because insurance is tied to the car and not the individual driver. Driving a car without insurance can result in serious penalties like fines, license suspension, and even jail time.
Can 2 people insure the same car?
Yes, two different people can insure the same car at the same time. Ways you can get insured on someone else’s car include: Take out a non-owner car insurance policy that covers you to drive the car named in the policy, according to the insurer’s terms and conditions.
Do I get a loaner car for a recall?
If your car has a dangerous safety recall, you can try asking your local dealership for a loaner vehicle until it can repair it. … According to Cars.com, the National Highway Traffic Safety Administration encourages auto manufacturers to offer consumers loaner cars until they can repair their recalled vehicles.
What happens if someone hits your loaner car?
If you are involved in a car accident, this is very annoying. … 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.
Can my husband drive my loaner car?
In the United States (and maybe some other countries – but I only know about the US), yes – your spouse can drive a rental car (with a few notable exceptions (eg they are under 18)) without being explicitly added as an additional driver.
Do you have to refuel a courtesy car?
You will only have to pay for the fuel you use and won’t pay any other additional costs for the use of the courtesy car.
What documents do you need for a 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.
How long can I keep 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.