Courtesy-car cover can provide a temporary replacement vehicle while the insured car is being repaired under circumstances defined by the policy. The circumstances and type of replacement vehicle vary considerably.
How insurers commonly treat this
- Some policies provide a car only when an approved repairer is used.
- Theft and total-loss claims may be excluded from basic courtesy-car benefits.
- Enhanced replacement-car products can provide different vehicle sizes or longer periods of use.
What the quotation may ask for
Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.