Courtesy cars are generally included with comprehensive insurance policies, but there are a few exceptions. If you’re in an accident but your car is repairable, you might get a courtesy car to tide you over until your car’s fixed.
Courtesy car entitlement is often down to you taking your car to a garage that’s been approved by your insurer. If you take your car elsewhere for repairs you may not get a courtesy car at all.
This will be covered in the T&Cs of your car insurance policy sodo read it, especially the small print - but maybe not at bed time.
But, wait!
If the insurer thinks your car’s a write-off, you might not get a courtesy car. In fact, you’ll be without a car altogether unless your policy has hire car cover. This isn’t normally includedwith comprehensive policies. It’s usually an add-on.
How quickly will you get the payout?
It can take a few weeks from your car being written off to getting the payout from the insurance company. If you absolutely cannot live without a car in the meantime, you might want to consider adding on hire car cover to your insurance policy.
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