If you crash your courtesy car or damage it in an accident, you’ll be covered by your insurance – so long as you have a fully comprehensive policy. You’ll also get another courtesy car. Just remember that you’ll still have to pay your excess to cover a portion of the repairs – so drive safe!
What does courtesy car mean?
A courtesy car is a temporary vehicle provided to you by a repair garage or your car insurance company while your own is being repaired.
Who pays for the courtesy car?
Do I have to pay for a courtesy car? If you have comprehensive car insurance, a courtesy vehicle should be offered to you at no extra charge. As it will be insured for you to drive, the only thing you need to pay for is fuel.
How long can I keep a courtesy car?
How long can I keep a courtesy car? A courtesy car is usually only available whilst repairs are being completed or until a write-off settlement is agreed. A limit will be set, however; a maximum of 14 or 21 consecutive days is most common, but check the details of your policy to be sure.
Does breakdown cover include courtesy car? – Related Questions
What is the difference between a hire car and a courtesy car?
Automatic courtesy cars can be supplied, providing the car being repaired is an automatic.
What’s the difference between Hire car and Courtesy Car?
|
Standard Courtesy Car |
Optional Hire Car |
| Replacement car if yours is written of until another is made top settle the claim up to a maximum of 21 days. |
N |
Y |
Can a 17 year old get a courtesy car?
Can A Young Driver Get A Courtesy Car After An Accident? Yes, as a young driver you are entitled by law to a courtesy car after a non fault car accident. Your courtesy car entitlement is the same as that of any other driver of any age.
Do I need insurance for a courtesy car?
You must have motor insurance at all times for driving a car on public roads. You may need to pay an additional cost to the garage or company supplying your courtesy car to cover insurance, however they may also provide the insurance free of charge.
What documents do I need for a courtesy car?
The Courtesy Car form you use should contain a statement that confirms the customer has had the controls demonstrated to them.
Courtesy Car Form
- the customer’s name,
- date of birth,
- permanent address and address at the time of hire (if different), and.
- full particulars of their driving license.
Are courtesy cars free?
Is this going to cost me anything? You will only have to pay for the fuel you use and won’t pay any other additional costs for the use of the courtesy car.
Do I get a courtesy car if mine is stolen?
If your car is stolen or written off after an accident, your insurer might not give you a courtesy car. This means you won’t have a car unless your policy has hire car cover. This isn’t usually included with comprehensive cover but can be as an add-on.
What happens if a car is a write off?
When your car’s written off, you don’t get it back. It’s retained by your insurance provider, ownership of the car transfers to them and you get a pay-out in compensation instead.
Can you refuse a write-off?
Advice for you if your insurers have written off your car
If your insurance company review the damage to your car and decide it is a ‘write-off’ you don’t have to accept their decision. You are entitled to challenge two things. it is possible to challenge whether the car is actually a write-off.
What happens if my car is written off and it’s not my fault?
If your vehicle is written off in a non-fault accident, you could find yourself with no car and no money to replace it. It may be possible for you or a solicitor to make a claim against the third party’s insurers and negotiate a write-off settlement with them.
Is a car written off if the airbags deploy?
Usually airbags result in a write off.
At what speed do airbags deploy?
Typically, a front airbag will deploy for unbelted occupants when the crash is the equivalent of an impact into a rigid wall at 10-12 mph. Most airbags will deploy at a higher threshold — about 16 mph — for belted occupants because the belts alone are likely to provide adequate protection up to these moderate speeds.
How much damage does it take to write-off car?
In most cases, a car is deemed a write-off if its repair will cost at least 50% to 60% of the car’s value, although this does vary between insurance companies.
Is a car totaled If the frame is bent?
If your car has a bent or damaged frame as a result of the accident it is likely that the car will be totaled. If it’s repairable you can claim the cost of that repair on a personal injury claim.
How do you guess if your car is totaled?
The adjuster will estimate the cost of repairing your vehicle to see if it’s higher or lower than its actual cash value. If, after adding the salvage value cost to the total repair estimate, that figure is higher that the car’s actual cash value, the car is considered totaled in most cases.
What causes a car to be considered totaled?
A car is generally considered totaled when the cost to repair the car exceeds the value of the car.
What causes a car to be totaled?
What is a Totaled Car? Insurance companies “total” a car when the cost to repair the damage exceeds the vehicle’s market value. They may also declare it a total loss if it would be unsafe to drive even if you fix it. If the insurer totals your car, they will pay you the vehicle’s actual cash value (ACV).