Often times, a courtesy car cover is only claimable when your car is repairable after the incident and taken to an approved repairer. This is because the courtesy car is commonly supplied by the repairer.
They may supply the car for as long as it takes them to complete the repairs, but some providers do limit the amount of time you can keep the courtesy car. If your car is deemed a write-off or is stolen and unrecovered, the courtesy car most likely would not be available because the car is not being repaired.
The standard courtesy car provided by your insurer will most likely be a small, 1-litre, three-door model with a manual transmission, like a Ford KA or Vauxhall Corsa, regardless of the size or class of your vehicle on the policy. If your car is automatic, you may be provided with an automatic courtesy car.
Some types of insured vehicles can be excluded from the courtesy car cover, as well, such as vans or people carriers. If your car is modified for use with disabilities, your provider may be able to supply a car with the same or similar modifications.
When should I consider hire car cover?
If having alternative transportation is essential for you
If there is no courtesy car cover included as standard
If you have children and need room for a pram and other accessories