A simples guide

What Is Courtesy Car Insurance?

In the event that you have an accident, you could be covered under your existing insurance policy. 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 shop.


Make sure you’re insured on your courtesy car

If you’re getting repairs carried out to your car, then your garage could provide a courtesy car but you won’t necessarily be covered under their insurance policy so you may need to temporarily add it on to your own policy for the duration of repairs. Check your individual policy for details just to be sure.

As of 2015, an independent financial research firm called Defaqto listed 226 different Comprehensive Car Insurance policies. At that time, 211 of those 226 comprehensive policies included access to a courtesy car as a standard part of their policy. Nine others offered it as an add-on to their comprehensive policies, and only six had no courtesy car provision at all. 


How does courtesy car insurance work?

The type of claim you have will dictate whether you have access to a courtesy car or not. If you write off your vehicle or it is stolen you may not be entitled to a courtesy car. In addition, the time you’re entitled to a courtesy car could have a set number of days. Generally speaking, this is what you can expect from courtesy car cover:

If you are in an accident and another driver was at fault, you can claim for a courtesy car against their insurance whether or not your own insurance provides one. You will only be able to claim for a vehicle of the same type and quality as your own, though.

If you are in an accident with another driver where you are at fault, or where you were the only driver involved, you will only get a courtesy car if your insurance specifically provides for one. 

Check your policy

The details can vary between individual insurers, and this is only a general overview.

For example, some insurers offer a courtesy car cover as standard for all comprehensive and TPFT (Third Party Fire and Theft) policies, and you can claim several times each year. In comparison, others will only provide a courtesy car if one is available, and even then only if you use an approved repair centre. Some don’t offer a courtesy car as standard, but cover can be applied as part of an add on.

So now you know how courtesy car cover works, and what to expect from it. Still, here’s hoping you never have to use it. It’s always nicer to be in your own car. So start a quote, telling us a bit about you, your car and what level of cover you’ll need. Our online comparison service will do all the leg work for you and provide you with a range of competitive quotes that suit your needs. You’ll be able to view all the details of the different policies available to check whether the policies offer a courtesy car. Get comparing and see how much you can save!


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