Car Insurance Courtesy Car – Like for Like Replacement

When you get into an accident and your car is damaged, it can be incredibly difficult to get around until it's fixed. Fortunately, most car insurance companies offer a courtesy car service, where they provide you with a car to use for a short period of time while yours is being repaired. This is often known as a like for like replacement, meaning you'll be able to get a car that's similar to yours. In this article, we’ll take a look at car insurance courtesy cars, and what you can expect from them.

What Is a Courtesy Car?

A courtesy car is a vehicle that is provided by your car insurance company and given to you while your own car is being repaired. It is usually a similar model to yours, although it may not be exactly the same. For example, if you have a medium-sized family car, you may be provided with a small hatchback or a similar model. The car may also come with additional features, such as a built-in sat-nav system or Bluetooth connectivity.

Who Can Use a Courtesy Car?

Car insurance courtesy cars are available to anyone who has fully comprehensive car insurance. This type of policy covers the cost of any repairs to your car that are needed due to an accident. It also includes cover for other types of damage, such as fire or theft. If you have a fully comprehensive policy, you should check with your insurance company to see if they offer a courtesy car service.

How Long Can I Have a Courtesy Car?

The length of time you can have a courtesy car will vary depending on your insurance company and the type of policy you have. It will also depend on how quickly your car can be repaired. Generally, most courtesy cars are available for up to 14 days, although some companies may offer longer periods.

What Can I Use a Courtesy Car For?

A courtesy car can be used for any purpose that is allowed by your insurance policy. This may include commuting to work, running errands, and going on holiday. However, it is important to remember that you should only use the car for the purpose that is stated in your policy. For example, if your policy states that you are not allowed to drive the car for business use, then you should not do so.

Are There Any Restrictions?

Yes, there are some restrictions on the use of a courtesy car. Most insurance companies will not allow you to drive the car for more than a certain number of miles per day. They may also limit the number of people who can use the car, as well as the type of roads that you can drive on. Additionally, you may be required to provide proof of identity, such as a valid driver’s license, and you may be required to sign a hire agreement.

Conclusion

Car insurance courtesy cars are a great way to get around while your own car is being repaired. They offer a like for like replacement, so you can be assured that you’ll be able to get a car that is similar to yours. However, it’s important to remember that there are some restrictions and conditions that apply to the use of a courtesy car. Be sure to check with your insurance company for more information.