Remember to check your policy
The details can vary between individual insurance providers, and this is only a general overview.
For example, some insurance providers offer courtesy car cover as standard for all comprehensive and 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.
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.