Courtesy car - is insurance normal?
davi...@my-deja.com
I'm being given a courtesy car for a day while mine is in for repair. I
am told that I need to insure the courtesy car myself as otherwise I am
not covered. My current insurance is fully-comp so I know I will be
covered third-party only.
Do anyone know if this is usual?
Adam.
Sent via Deja.com http://www.deja.com/
Before you buy.
Craig J Holdsworth
> I'm being given a courtesy car for a day while mine is in for repair. I
> am told that I need to insure the courtesy car myself as otherwise I am
> not covered.
>
> Do anyone know if this is usual?
> Adam.
It has become the norm more or less in my experience.
I guess people borrowing a car on the garage's insurance and then accidently
bumping a mate's car (which happened to need a new wing on that side anyway
!!!!!) became too much for them.
On the plus side I've always found insurance companies to be well used to
the practice as well when you call them up. Make sure you know the exact
car model, year of registration and registration number and the value of the
vehicle.
Cheers
Craig
davi...@my-deja.com
Garage and see what my insurance company says.
Edward Scissorhands
>Hi all,
>
>I'm being given a courtesy car for a day while mine is in for repair. I
>am told that I need to insure the courtesy car myself as otherwise I am
>covered third-party only.
>
The third party extension is for emergency use only, and you should not
drive a courtesy car for any length of time with only this cover - this
doesn't really apply to you as you will only be using it for one day,
but any damage that occurs to the car will not be covered.
Often garage insurance doesn't cover the courtesy car for under 25s,
which might be the problem here? Or they may not have insurance for
anyone other than staff, in which case your third party extension is
invalid anyway (it is for driving a car owned /and insured/ by another
person, in emergencies only, for the purposes of making sure you don't
get nicked for driving without insurance).
A temporary additional vehicle on your own policy is the safest answer.
It usually costs £10 per week.
Richard
--
Edward Scissorhands |\ _,,,---,,_
Bunburyist, Goth, Citroenist. AGF-Borg - 0 of Goth /,`.-'`' -. ;-;;,
E-Mail: EdwardS<at>lovecraft.demon.co.uk |,4- ) )-,_. ,\ ( `'::.
Homepage: http://www.lovecraft.demon.co.uk/ '----''(_/--' `-'\_)Morticia
g middleton
is third party,is the garage approved for your insurance company if so they
should insure it, this depends on the contract the garage has with the
insurance company.Some insurance companies transfer your policy to cover the
car.Who is the repairer?
<davi...@my-deja.com> wrote in message news:8hfotr$jsd$1...@nnrp1.deja.com...
> Hi all,
>
> I'm being given a courtesy car for a day while mine is in for repair. I
> am told that I need to insure the courtesy car myself as otherwise I am
> not covered. My current insurance is fully-comp so I know I will be
> covered third-party only.
>
> Do anyone know if this is usual?
>
Mike
Edward Scissorhands wrote in message ...
>>
>>I'm being given a courtesy car for a day while mine is in
for repair. I
>>am told that I need to insure the courtesy car myself as
otherwise I am
>>not covered. My current insurance is fully-comp so I know
I will be
>>covered third-party only.
>>
>>Do anyone know if this is usual?
>
you should not
>drive a courtesy car for any length of time with only this
cover - this
>doesn't really apply to you as you will only be using it
for one day,
>but any damage that occurs to the car will not be covered.
>
>Often garage insurance doesn't cover the courtesy car for
under 25s,
>which might be the problem here? Or they may not have
insurance for
>anyone other than staff, in which case your third party
extension is
>invalid anyway (it is for driving a car owned /and insured/
by another
>person,
Not quite right. Most policies, inc TPF&T cover you to drive
a car you don't own. The usual wording in policies being,
"The policyholder may drive also drive another Motor Car not
belonging to him or her and not supplied to him or her under
a hire purchase agreement or a vehicle leasing agreement".
The borrowed car does not have to be insured by anyone else.
If you have the owners permission, that is all that you need
to legally drive it, assuming the car is roadworthy.
But, this cover is usually third party only, even if the
cover on your own car is FC.
in emergencies only, for the purposes of making sure you
don't
>get nicked for driving without insurance).
Doesn't have to be 'in emergencies only' you are covered
whatever the reason. Social, domestic, or pleasure.
Sorry to be pedantic, but it does make a difference.
Mike.
removeth...@which.net
<gl...@gmiddleton.karoo.co.uk> wrote:
>>
>> I'm being given a courtesy car for a day while mine is in for repair. I
>> am told that I need to insure the courtesy car myself as otherwise I am
>> not covered.
In my experience courtesy cars from major dealers need insurance
arranging, not usually a problem just a phone call to your insurance
company - but can be a pain at 8.00 am .
I have had a quote from 1 major insurance company which included
automatic fully comp cover for a courtesy car but only up to 1400cc!
Also one major company didnt include TPFT cover for other cars.
Smaller non-franchised garages appear to make a marketing point of
having their courtesy cars fully insured (for over 25's).
I wish insurance companies wouldt include ( as an extra) automatic
cover for courtesy cars and franchised garages with their very high
labour rates could include fully comp insurance!
Robert
whonose
When you call your insurance company tell them you want fully comp temporary
insurance for another car and as it's the same group it shouldn't cost you
any extra.
<davi...@my-deja.com> wrote in message news:8hfotr$jsd$1...@nnrp1.deja.com...
> Hi all,
>
> I'm being given a courtesy car for a day while mine is in for repair. I
> am told that I need to insure the courtesy car myself as otherwise I am
> not covered. My current insurance is fully-comp so I know I will be
> covered third-party only.
>
> Do anyone know if this is usual?
>
Wessie
<960371523.6665.0...@news.demon.co.uk>:
Both Mazda dealers near me offer insured courtesy cars (Hereford and
Newport, Gwent). Usually have to sign a form about excess if you prang it.
Same crack with the Honda bike dealer I use.
--
wes...@SPAM.lineone.net remove SPAM....
Mazda MX6
Visit Gloucester Honda Owners at
http://www.maddog1.demon.co.uk/