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Courtesy car insurance

Does your car insurance cover you for a courtesy car?

A courtesy car can come in handy if your car is being repaired. Here’s how being insured to get a courtesy car can help you stay on the road

By Mehdi Punjwani

Published: 05 June 2020

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What is a courtesy car?

A courtesy car is a vehicle provided by a garage, repair shop or your insurance company that you can use while your car is being repaired after an accident.

Many car insurance policies offer cover to get a courtesy car as standard, but for some you will have to pay to for it as an extra feature.

Will my car insurance give me a courtesy car?

Check your insurance policy – if you have fully comprehensive cover, it is likely, though not certain, that you will have cover for a courtesy car.

If you have third-party or third-party, fire and theft insurance, then standard cover for a courtesy car is less likely. But in some cases, you may be able to pay extra to add it to your policy.

How does courtesy car insurance work?

Even if you are offered a courtesy car while your own is being repaired, you still need to be insured for driving it. In all cases, check the level of insurance you will be provided for driving your courtesy car.

While some policies will cover you to get a courtesy car, you may still have to pay for insurance to use it. Even if there is insurance provided for your courtesy car as part of your policy, it may not be at the same level as the insurance for your own vehicle.

If you were involved in an accident and the other driver was at fault you can claim for a courtesy car against their insurance, whether or not your own insurance policy offers one. If you were in an accident and you were at fault, you will only get a courtesy car if your policy includes it, or if you paid for it as an extra.

What do I need to know when getting a courtesy car?

Different insurers will have their own conditions for offering you a courtesy car – even if it is included in your policy as standard. It’s worth checking for the following and ask your insurer if there are any doubts.

Stolen or written off cars: You may find if your car has been written off then your insurer will not provide you with a courtesy car, or will only do so until your car has been approved as written off. If your car has been stolen, then you may also not have access to a courtesy car, or it will be available for just a set number of days rather than when you buy a new one.

Approved repair centre: Some insurers will only provide you with a courtesy car if you take your car to be repaired at one of their pre-approved repair centres.

Availability: Check your insurance policy documents as even though some insurers provide you with a courtesy car, there may be a ‘subject to availability’ clause. This means you’re not guaranteed a courtesy car if one isn’t readily available

How long you have the car for: There may be a clause in the policy to say that you will only get a courtesy car for up to a certain number of days

Type of insurance: Even if you have fully comprehensive cover on your own car, you may only have third-party insurance for driving a courtesy car, or you may not be insured at all. Check your policy to see where you stand

Like-for-like: Your courtesy car may not be a match in size or type for your own vehicle, particularly if you drive a large or luxury car.


The average cost of car insurance with a courtesy car included

Based on MoneySuperMarket enquiries data between January 2020 and March 2020

How much does courtesy car cover cost?

If a courtesy car is included as standard in your policy then it won’t cost you any extra, unless you need to add insurance to drive it.

If your policy does not cover you for a courtesy car, but you have the option to include it, expect to pay on average between £20 to £45 depending on the type of policy you have.

How much does it cost to add courtesy car insurance?

Based on MoneySuperMarket enquiries data between January 2020 and March 2020

How do I get a quote that includes courtesy car cover?

The easiest way to search for car insurance that includes courtesy car cover is to compare quotes with MoneySuperMarket. Just tell us a little about yourself, the car you want to insure and your driving history, and you can also select courtesy car cover as a feature you want included.

We’ll put together a list of quotes tailored to your requirements. You can browse and compare by cost, the level of protection you’ll get and any extras included in your cover.

Once you’ve found the right policy, click through to the provider to finalise your purchase. But remember that the cheapest policy isn’t always the best – but you can balance cost with the level of cover and the features you get to ensure you have the right protection at the best price.