Courtesy car not given by insurance despite stated in Policy

gforgolf

First of all Happy New Year everyone
My hasn't started well with my Car Insurance, I had an accident due to the heavy snow, I am fully comp and my Policy states I can have a courtesy car while my car gets repaired
When I called the Operator said that I might not be entitled to a courtesy car and I am looking at a total loss even though:
a- car drives fine
b- the operator didn't even viewed at the pics of the damages but stated this is based on the car being too old ( it's from 2014) and the damages described by me over the phone, ok there are damages on the bonnet and bumper but surely I am entitled to a a courtesy car while the engineer will assess the damages? how can I fight this? thanks in advance for any tips/advice

Mark_d

Based on the age of your car, I expect it is being written off.  The details of courtesy car provision in your policy wording probably have an exclusion for this scenario.

Veteransaver

Is the car safe to drive currently? Normally you'd expect a courtesy car whilst yours is undrivable and in for repair or assessment. If it gets written off then they usually try and force you agree a settlement that once agreed will be paid out and the courtesy car withdrawn.
They often write it off very quickly and give you literally a couple of days to find something else unless you are happy to be without a car completely.

400ixl

Typically the courtesy car clause states whilst the vehicle is being repaired and where available. This is because it its the repairer who provides the vehicle.

If it is still being assessed it is not being repaired.
You need to read the T&C's carefully and see if you are entitled or not.

If the car drives fine and is still legal (as in all the lights work and there are no dangerous sharp edges etc then continue to use it.

DullGreyGuy

A traditional courtesy car is a car provided for free by the garage that is doing the repairs and in theory funded by a slightly higher labour rate. 

If you read the terms of your policy it will most likely state the courtesy car is subject to your car being repairable, the garage having a spare vehicle and you using their network repairer. Basically it's far from guaranteed. Many insurers sell the option of exchanging the traditional courtesy car with a short term hire car which removes the requirement of the car being repairable and the garage having a spare vehicle however because its a fixed max duration it can be that the hire car has to go back before the repairs are complete if the car is undrivable and there is a long delay on parts etc. 

No option to "fight it" until you read your policy and check what you actually paid for... a traditional courtesy car isn't given for a total loss.