Are Named Drivers Insured On Courtesy Cars?

What Are Courtesy Cars?

Courtesy cars are vehicles that are loaned to customers by their insurance companies or repair garages while their own car is being repaired or serviced. This is usually offered as part of an insurance policy or repair service, and the customer is not charged for their use. The car is usually a standard model that is already owned by the insurance company or repair garage, and it is made available to the customer while their own car is being worked on.

These cars are typically only used for a short period of time, but they can come in handy if you need to get around while your own car is being repaired. They are also a great way to avoid the hassle and expense of finding alternative transportation while your car is being serviced.

Are Named Drivers Insured on Courtesy Cars?

The answer to this question depends on the insurance policy that you have with your insurance company. Some policies will cover the named driver while they are using a courtesy car, while others may not. It is important to check with your insurance provider to find out what their policy is regarding the use of courtesy cars.

If your policy does not cover the named driver while they are using a courtesy car, then you will need to take out separate insurance for them. This insurance should be taken out before the driver takes possession of the car. It is important to make sure that you are fully covered before taking the car out for a spin.

Things To Consider

When deciding whether or not to take out additional insurance for a named driver while they are using a courtesy car, it is important to consider a few things. The first is the cost of the additional insurance. This will depend on the insurance company and the amount of coverage that you need. It is also important to consider the type of car that you are loaning. Some cars may be more expensive to insure than others, so this may affect the cost of the additional insurance.

It is also important to consider the risk that you are taking. If the named driver does not have insurance, then you are taking on the risk of being liable for any damages that may occur while they are driving the car. This could potentially be costly, so it is important to weigh the risk versus the cost of the additional insurance.

Conclusion

In conclusion, it is important to check with your insurance provider to find out if the named driver is covered while they are using a courtesy car. If the policy does not cover the named driver, then it is important to take out additional insurance before they take possession of the car. This will ensure that you are fully covered and that you are not taking on any unnecessary risks.