What is a courtesy car?
The courtesy car is something that's often offered by garages should your normal car be under service or repair. Some luxury hotels may also offer such vehicles if guests are travelling by public transport.
If your car is off the road for insurance investigation or repair assessment purposes following an accident, some car insurance policies will also provide a rental vehicle that may be called a courtesy car for the duration. This means that you can carry on being mobile (getting to work; doing the shopping; taking the kids swimming; the cat to the vet etc) even if your own car is being repaired.
Points to note
- Some car insurance companies offer a courtesy car as part of their standard cover while others will charge an additional fee for this benefit. To see who offers what, it could be helpful to use our car insurance comparison service. This allows you to compare all the major policy features and benefits, such as whether a courtesy car comes as part of the package or not;
- If you're offered a courtesy car, from whatever source and for whatever reason, you may need to check the insurance position carefully. That's because the law makes no exception for courtesy cars. If you're driving a vehicle you must have valid insurance cover;
- If you're driving a courtesy car on somebody else's car insurance policy, it's also worth being careful about the excess. Normally you'll have to sign some form of agreement with the lender of the vehicle and this may oblige you to pay an excess (i.e. make a financial contribution) following an accident. These amounts can be high so it is important to clarify this up-front.
Compare car insurance with Tesco Compare.