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Courtesy Car Insurance UK

How courtesy car cover works while your own vehicle is being repaired.

Quick Answer

Courtesy car cover provides a replacement vehicle while your own car is being repaired following an insured claim, though it's not guaranteed on every policy and terms vary significantly between insurers. Some policies guarantee a like-for-like replacement, while others offer a basic runaround vehicle or no courtesy car at all, so it's worth checking before you need one.

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Table of Contents

What Is Courtesy Car Cover?

Courtesy car cover provides a temporary replacement vehicle while your own car is off the road for repairs following a valid insurance claim, helping you stay mobile during the repair process.

What's Typically Included

  • A basic runabout vehicle, on many standard policies
  • A guaranteed like-for-like replacement, on some higher-tier policies
  • Cover only while the car is being repaired by an approved repairer, in many cases
  • Time limits on how long the courtesy car is provided

When Courtesy Cars May Not Be Provided

Warning: Courtesy car cover often doesn't apply if your car is a write-off rather than repaired, if you choose a non-approved repairer, or if the claim doesn't meet the policy's specific conditions. Always check the exact terms rather than assuming a courtesy car is guaranteed.

Guaranteed vs Non-Guaranteed Courtesy Cars

Some policies guarantee a courtesy car will be provided, while others only offer one "subject to availability", which could mean none is provided if the repairer doesn't have one free. Check which type of provision your policy offers.

Insuring the Courtesy Car Itself

Courtesy cars are typically covered under the repairer's or insurer's own insurance arrangement while in your possession, but confirm this, along with your responsibilities, such as excess, if the courtesy car itself is damaged or involved in an incident.

Expert Tip: If having a like-for-like courtesy car is important to you, such as needing a larger vehicle for family or work reasons, check this specifically when comparing policies rather than assuming standard cover will meet your needs.

Frequently Asked Questions About Courtesy Car Insurance UK

Is a courtesy car guaranteed with car insurance?

Not always, this varies significantly by insurer and policy. Some guarantee provision, others offer one subject to availability, and some don't include it at all.

What type of car will I get as a courtesy vehicle?

This depends on your policy, ranging from a basic runabout to a guaranteed like-for-like replacement on higher-tier policies.

Do I get a courtesy car if my vehicle is written off?

Often not, courtesy car cover is generally intended to support repairs, and may not apply if the vehicle is declared a total loss.

Am I insured to drive the courtesy car?

Generally yes, courtesy cars are typically covered under the repairer's or insurer's arrangement, but confirm your specific responsibilities and any applicable excess.

Does using a non-approved repairer affect courtesy car cover?

It can, some policies only guarantee a courtesy car if you use an insurer-approved repairer, so check this before making arrangements.

Conclusion

Courtesy car cover can be a valuable part of your car insurance policy, but terms vary considerably between insurers. Checking exactly what's guaranteed, and under what conditions, before you need it helps avoid an unwelcome surprise when your car is off the road for repairs.

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