An optional extra included in some insurance policies is a courtesy car if yours can’t be driven after a crash or incident. If you’ve ever been without your car, you know how inconvenient and disruptive it can be. Having a courtesy car as part of your insurance can offer peace of mind should you be involved in an accident.
Not all insurance policies will automatically include a courtesy car, so it’s worth checking as you compare different quotes and levels of cover.
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How can I get courtesy car cover?
A courtesy car is sometimes included as standard on comprehensive insurance policies, or it could be available to buy as an optional extra. Courtesy cars are often a feature of higher levels of cover, so could be more expensive than not having one included in your policy.
What kind of courtesy car will I get?
Most providers will offer a courtesy car that’s similar to yours in terms of value, and it’s worth checking that this is the case so you’re not paying for more cover than you need. Sometimes providers offer a standard type of courtesy car, such as lower power economy hatchback, rather than different models and engine powers.
When would I get a courtesy car?
The type of insurance claim you make can affect whether or not you can get a courtesy car. If your car is stolen, or written off after an accident, you likely won’t be able to get a courtesy car from your provider.
If you’re in an accident that was your fault, either with another driver involved or on your own, you can usually only claim for a courtesy car if it’s part of your insurance policy.
If you’re in an accident that wasn’t your fault and your car needs repairs, you could receive a courtesy car from the other driver’s provider, even if it’s not part of their policy. In this situation, the type of car you might get would also need to be similar to your own.
Good to know
- There are times when a provider might not provide you with a courtesy car, such as if your car is written off after an accident.
- In order to be eligible for a courtesy car, you’ll probably have to use the provider's approved garage or repair shop.
- You could still choose to get your car repaired at a garage you trust, but this could mean you don’t get a courtesy car and have to consider alternatives, such as temporary car insurance on another vehicle.
- There might be a limit on how long you can have a courtesy car. For example, your policy might give you a maximum of 30 days, so always check for this detail.
Top Car Insurance FAQs:
- What's the best car insurance for you?
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The right car insurance for you depends on your needs and circumstances. There are a range of policy and cover options, to help you find the best policy for you, including:
- How to get cheap car insurance quotes through Asda Money’s car insurance comparison service?
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Asda Money’s car insurance comparison service is provided by Vast Visibility Limited. With the shopping around done for you, this means you can simply compare quotes from some of the UK’s leading providers.
All you need to do is answer a few simple questions about you, the car you’re looking to insure, and your driving history. From there you’ll need to complete some questions about the car insurance cover you’re looking for. Then, all you need to do is select a policy and price that’s right for you.
- What happens when you compare car insurance through Asda Money car insurance comparison service?
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Asda Money’s car insurance comparison service is provided by Vast Visibility Limited. When you compare car insurance, your details are run through the various car insurance providers on the panel.
Some of the UK’s leading providers, including the likes of Aviva, Hastings and Admiral, will return the cheapest quotes they have to offer.
You'll see your quotes, starting with the cheapest first, and you’ll also be able to see prices for Comprehensive, Third Party, Fire and Theft and Third Party Only policies.
At that point it’s up to you to select the quote and cover that’s right for you.
- What levels of car insurance cover do you offer?
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When you compare quotes through Asda Money, you’ll automatically see all three levels of cover, including Comprehensive, Third Party, Fire and Theft or Third Party Only. You'll also want to consider what other optional extras you might want for your policy.
You can also get quotes for a telematics (black box) policy, or business cover.
- What type of car insurance is cheaper?
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The cost of car insurance depends on a range of factors, including your driving history, age, and make and model of car.
- At what age is car insurance cheapest?
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Car insurance tends to be expensive when you first start driving, as new drivers may be viewed as more of a risk on the road. As you get more experience behind the wheel and build up your no claims discount, you may get lower premiums.
- Do I really need fully comprehensive car insurance?
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The type of car insurance you choose is up to you. By choosing fully comprehensive car insurance you’ll have the highest level of cover possible.
- What car brand is the cheapest to insure?
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In the UK, makes and models of cars are split into 50 different car insurance groups. Cars in Group 1 are the cheapest to insure. These tend to be hatchbacks or city cars that are less powerful. Examples of Group 1 cars include Fiat Panda, Ford KA Plus, Hyundai i10.
- How early should you get car insurance?
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The cheapest time to get car insurance quotes is around 26 days before your renewal date2. Car insurance cover tends to get more expensive the closer you get to your renewal date.
- Why is my car insurance so high with a clean record?
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If you have a clean record but your car insurance is still expensive, insurers may be looking at other factors, such as your age, job, where you live, and the car you drive. Other factors may be at play too, such as fraudulent claims and uninsured drivers which can increase car insurance prices for everyone.
2 The cheapest day to buy car insurance in the UK - revealed - Which? News
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The ASDA car insurance comparison service is arranged by and administered by Vast Visibility Limited.