What is Courtesy Car Insurance?

Courtesy car insurance is a type of cover that provides you with a car while yours is being repaired. It is available as an optional extra if you have comprehensive insurance. It is designed to give you peace of mind while your car is off the road so that you can still get around.

How Does Courtesy Car Insurance Work?

When you make a claim on your comprehensive insurance policy, you may be eligible for a courtesy car as part of your policy. This means that you will be provided with a car to use while yours is being repaired. Depending on the type of policy you have, this car may be a hire car or a loan car.

Hire Car

If you are provided with a hire car, it will be from a rental company or car sharing service. You will need to arrange the hire yourself and will be responsible for any costs associated with the rental. You will also be responsible for the upkeep and maintenance of the car while you are using it.

Loan Car

If you are provided with a loan car, it will be from your insurance company. They will arrange for the car to be delivered to you and you will be responsible for its upkeep and maintenance while you are using it. The loan car will typically be the same make and model as your own car.

Benefits of Courtesy Car Insurance

Courtesy car insurance is a great way to ensure that you are still able to get around while your car is being repaired. This can be especially beneficial if you rely on your car to get to and from work, or to run errands. It also means that you don’t have to worry about arranging and paying for alternative transport while your car is off the road.

Things to Consider Before Taking Out Courtesy Car Insurance

Before you take out courtesy car insurance, it is important to make sure that you understand the terms and conditions of your policy. Make sure that you know what type of car you will be provided with and how long you will be able to use it for. It is also important to check whether you are responsible for any additional costs or maintenance.

Conclusion

Courtesy car insurance is a great way to ensure that you are still able to get around while your car is being repaired. It can provide you with peace of mind and make sure that you don’t have to worry about arranging and paying for alternative transport. However, it is important to make sure that you understand the terms and conditions of your policy before taking out courtesy car insurance.