Am I insured to drive a garage courtesy car while my own car is being serviced?

If you’re involved in an accident, your insurance provider may well provide you with a courtesy car while your own is being assessed for repairs. However, you may find you then have to give it back if your car is then written off.

Can anybody drive a courtesy car?

Can a named driver drive a courtesy car? When you’re provided with a courtesy car temporarily by your insurance provider, it’s often the case that the insurance policy is the same as on your own vehicle. Most insurance companies will automatically insure any drivers on the current policy, including named drivers.

Do you need insurance to drive to garage?

The law says that you must normally have at least third party motor insurance if you drive or own a vehicle. You must also have insurance if you leave it parked on the street, on your driveway or in your garage. … If it isn’t they can seize it immediately, even if you then arrange insurance at the roadside.

Do garages charge for courtesy cars?

There is no legal or Code obligation on any accredited business to give you a courtesy car. … Bear in mind that there may be a charge for the courtesy car, to cover the costs of insurance or fuel.

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How does insurance work on a courtesy car?

How does courtesy car insurance work? Even if you are offered a courtesy car while your own is being repaired, you still need to be insured for driving it. … While some policies will cover you to get a courtesy car, you may still have to pay for insurance to use it.

Do courtesy cars have trackers?

To conclude, yes, the majority of suppliers will track their cars. However, this shouldn’t make a difference to you, as long as you are abiding by the law and the rental agreement. It is only in place to protect the supplier and in some cases could protect you.

What is parked car insurance?

Parked car insurance is provided to a car stored at your home or storage facility by comprehensive coverage. Your car should not be at risk of being hit by another car while parked in your garage. So comprehensive will cover all possible risk factors, such as: Stolen car.

When must your vehicle have insurance cover?

Your vehicle must have valid insurance cover before you can tax it. If required, it will also need to have a valid MOT certificate. You can tax your vehicle online, by phone or at certain post offices.

Do you need insurance if car doesn’t run?

Most states require every registered car to have insurance, so the answer is yes. You need car insurance on a car that doesn’t run. This means that you’ll either need to find cheap coverage or consider canceling your registration for a car that doesn’t run.

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Does warranty cover courtesy car?

Apart from wear and tear, most manufacturers warranties cover all mechanical and electrical parts. … The warranty may provide a courtesy or hire car when yours is being repaired. Items covered by comprehensive car insurance, such as windscreens and accident damage, will not be covered by a warranty.

What happens with a courtesy car?

A courtesy car is a temporary vehicle provided to you by a repair garage or your car insurance company while your own is being repaired. Generally, they tend to be small and cheap to run – usually a 1-litre, three-door hatchback. They often have the name of the garage plastered down the side.

Do you get a courtesy car with warranty?

Claiming against a manufacturer warranty on a new car should be fairly straightforward and won’t cost you a penny, and many dealerships will also provide a courtesy car while yours is in for repairs.

How long can you have a courtesy car for?

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.

What are courtesy vehicles?

A courtesy car is a vehicle provided by a repair shop or dealership that you can drive temporarily, if your own car isn’t driveable. Those in the know sometimes refer to it as a ‘loaner car.

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.

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