Courtesy Car Cover

Keep the wheels turning

Two young girls sat with their camping luggage in the back of their car's open boot which is pulled up in a wooded area in the day

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?

Finding the right car insurance for you and your wheels can be complicated because there’s so much choice out there. With Asda Car Insurance comparison service, the shopping is done for you and helps you compare quotes from some of the UK’s leading providers.

All you need to do is pick the policy and price that’s right for you.

All levels of cover for your car:

How to get cheap car insurance quotes with Asda car insurance comparison service?

Getting cheap car insurance quotes with Asda has never been simpler and you can get covered in minutes.

All you need to do is complete a number of simple questions about you, the car you’re looking to insure and your driving history.

You’ll be asked very basic questions like your name, address and date of birth, as well as questions about how long you’ve been driving and the number of no claims bonus (NCB) you have.

From there you’ll need to complete some questions about the car insurance cover you want and then the work is done for you. Plus, some providers will offer multi-car discounts if you insure multiple cars under the same policy.

What happens when you compare car insurance with Asda car insurance comparison service?

When you compare car insurance, your details are run through the various car insurance providers on the panel.

Over 60 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 you want! It's also worth taking a look at any optional extras you might want to include with your policy, like a courtesy car if yours runs into trouble or legal cover in case you do happen to get into an accident.

What are your levels of car insurance cover?

When you compare quotes you’ll automatically see all three levels of cover when your quotes display but car insurance is a little more complicated than just Comprehensive, Third Party, Fire and Theft or Third Party Only. You'll also want to consider what other car insurance benefits you want, like cover for driving abroad, and what optional extras you might want for your policy for complete peace of mind when driving.

If you want a telematics (black box) policy, one that covers you for work or social only, or you're ahead of the curve and have an electric car, you can still compare quotes and get covered with Asda car insurance comparison service. 

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