Insurance for courtesy car?

kneller

I booked my car in for a repair and I contacted my insurer to cover me to drive a courtesy car. My insurance company would not insure me for this. This has never happened before - are more insurance companies doing this or is this unusual?

brazilianwax

You shouldn't need to - the courtesy car should be covered by the garage that has your car.

You don't need seperate insurance for it.

missile

My insurance covers me to drive any vehicle not owned by or hired to me

Labman_2

missile wrote: »

My insurance covers me to drive any vehicle not owned by or hired to me

Third Party only would be my understanding....at a push maybe fire & theft as well.

sirboz

kneller wrote: »

I booked my car in for a repair and I contacted my insurer to cover me to drive a courtesy car. My insurance company would not insure me for this. This has never happened before - are more insurance companies doing this or is this unusual?

Most garages arrange this on your behalf - but read the small print as they often have large excesses . Hence it maybe preferable to arrange your own insurance - Ive never heard of an Insurance company refuse this before most even transfer the cover from one vehicle to the other for no charge !

Labman_2

brazilianwax wrote: »

You shouldn't need to - the courtesy car should be covered by the garage that has your car.

You don't need seperate insurance for it.

Some garages do...some don't. If the garage can get someone else to pay for insurance they will!....whether it be you, or an Insurance Company!

MarkyMarkD

Labman wrote: »

Third Party only would be my understanding....at a push maybe fire & theft as well.

No, definitely not fire and theft. This cover is third party only, if you get it. Not good enough to rely on for a courtesy car.

MarkyMarkD

brazilianwax wrote: »

You shouldn't need to - the courtesy car should be covered by the garage that has your car.

You don't need seperate insurance for it.

A rapidly increasing number of main dealers now charge for insuring their courtesy cars, OR require you to insure it yourself. In fact, fewer even offer the choice of paying to insure their car, which I don't really understand - they ought to be able to get a policy which covers any drive for significantly less than the £10 a day or so they could get away with charging.

sirboz

MarkyMarkD wrote: »

A rapidly increasing number of main dealers now charge for insuring their courtesy cars, OR require you to insure it yourself. In fact, fewer even offer the choice of paying to insure their car, which I don't really understand - they ought to be able to get a policy which covers any drive for significantly less than the £10 a day or so they could get away with charging.

Being the manager of a main dealer with 17 courtesy cars/vans , we simply pay an annual insurance premium, the cars utilisation therefore doesnt matter at all, the annual premium we pay is the same whether its used once a week or 5 times a week, we have never charged customers for the use of a courtesy vehicle, although I know some are starting to make a nominal charge

Some poeple decide to insure themselves due to the high excess on our policy, we would not let any vehicle go out under a customers insurance cover unless it is has fully comprehensive cover.

MarkyMarkD

Exactly my point. I think you are quite right that it's the excess which concerns people. But I'd happily have a courtesy car with a £500 excess rather than pay my own insurer an extra £10/£15/whatever for one day's insurance.

I suppose some dealers don't want the hassle of dealing with insurance claims or of making their customers pay up for the excess. But really it's not very good customer service.