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.