Are You Insured To Drive A Courtesy Car?

What is a Courtesy Car?

A courtesy car is a vehicle that you can use when your own car is being serviced or repaired, or when your car has been in an accident and you can’t use it. It is usually provided by your car insurance company, or a garage or dealership, for the duration that your car is being serviced or repaired. Courtesy cars are typically quite basic and are usually small hatchbacks or saloons.

Do I Need Insurance To Drive A Courtesy Car?

Yes, you do need insurance to drive a courtesy car. If you are using a courtesy car provided by your insurance company, then they will usually provide you with the necessary insurance. However, if you are using a courtesy car provided by a garage or dealership, then you will need to check with them as to what type of insurance they provide. The garage or dealership may provide you with third-party insurance, or they may require you to purchase your own insurance policy.

What Are The Different Types Of Insurance?

The type of insurance you need to drive a courtesy car will depend on the type of car you are driving and the type of insurance you have on your own car. Generally speaking, the types of insurance available are third-party insurance, which covers the costs of damage to another person or property, and comprehensive insurance, which covers the costs of damage to your own car as well as any other person or property.

Do I Need To Let My Insurance Company Know If I Am Driving A Courtesy Car?

Yes, it is important that you let your insurance company know if you are driving a courtesy car. Your insurance company will need to know the details of the courtesy car, such as the make and model, in order to provide the necessary insurance. It is also important to inform your insurance company if the courtesy car is being used for business purposes.

What If I Don’t Have Insurance To Drive A Courtesy Car?

If you don’t have insurance to drive a courtesy car, then you may be able to purchase a short-term insurance policy to cover the duration of your car’s repair or service. These policies are usually quite affordable and can provide cover for up to 30 days. However, it is important to check with the garage or dealership to make sure that they accept short-term insurance policies.

Conclusion

It is important to make sure you have the right insurance to drive a courtesy car. If the courtesy car is provided by your car insurance company, then they will usually provide you with the necessary insurance. However, if the courtesy car is being provided by a garage or dealership, then you will need to check with them as to what type of insurance they provide. If you don’t have insurance to drive a courtesy car, then you may be able to purchase a short-term insurance policy to cover the duration of your car’s repair or service.

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