Question: What Happens If You Have An Accident In A Courtesy Car?

Do I need insurance to drive a courtesy car?

Do I need to insure the courtesy car separately.

No, as long as you’re entitled to a courtesy car as part of your policy, your existing insurance should cover you..

Do I get a courtesy car if mine is a write off?

If your car is stolen or written off after an accident, your insurer might not give you a courtesy car. This means you won’t have a car unless your policy has hire car cover. This isn’t usually included with comprehensive cover but can be as an add-on.

Will an accident in a company vehicle affect personal insurance?

Absolutely nothing to do with who owns the vehicle or who pays for the insurance – it is all about YOU and YOUR ability to drive, insurance is based on risk.

How long do you get a courtesy car for?

When you have an accident, your policy will set out the type of courtesy car to which you are entitled and for how long. If the accident is your fault, you can normally have a courtesy car for up to 30 days.

How soon after an accident must it be reported to insurance?

within 30 daysYour insurer likely requires you to report accidents soon after they happen, often within 30 days. And then when it comes to filing claims (which is different from reporting an accident) your provider might not give a time limit, or it might set specific limits for types of coverage.

Do I pay excess if not my fault?

When you won’t pay an excess If you’re found not to be your fault, your insurer claims the excess back from the at-fault party’s insurer, along with other costs. Assume you’ll have to pay your excess first to get your claim started.

Who pays for hire car after accident?

Use the Negligent Driver’s Insurance Company As part of your compensation, the party that caused the accident is equally responsible for providing you a rental vehicle. This insurance company must compensate you for the cost of a rental vehicle as part of the settlement.

Do you get money if your car is written off?

When your car’s written off, it’s retained by your insurance provider – you get a pay-out in compensation. But if your car falls into what was known as Category C or Category D (now replaced with Category S and Category N respectively) then you have the option of buying it back and fixing it yourself.

What is the difference between courtesy car and hire car?

A courtesy car will be available to you if your car is being repaired with one of our approved repairers (subject to availability) following a claim. Hire Car Cover is available for an additional premium and will cover you if your vehicle is written off or stolen.

Does a courtesy car have to be like for like?

You’re probably not guaranteed a like-for-like vehicle unless you’ve paid extra for that level of replacement vehicle cover. At the very lowest level of cover, some policies don’t guarantee a courtesy car at all. If demand is high and the repair centre doesn’t have a suitable car available, you might not get one.

Do I get a courtesy car if my car is stolen?

A courtesy car is not available if your car is stolen or if it is considered to be a total loss or if your policy is cancelled or lapses during the period of repair. A courtesy car is standard and provided for each valid claim a customer makes.

What is legal cover? Legal cover provides financial protection against legal fees and losses following an accident that was not your fault. It is used to reclaim uninsured losses not covered by your standard car insurance policy. Our guide to car insurance explains more about what your main policy can cover.

Does a no fault accident go on your record?

A no-fault accident is a crash that you did not cause. Typically, no-fault accidents do appear on your driving record but will not likely impact your rate unless you have a history of accidents or if your insurance provider has to pay for damages.

Do BMW give you a courtesy car?

yet when you are shopping for a car, they will happily tell you that YES, they offer courtesy cars, and will “forget” to tell you that you need to reserve it months in advance. It depends on the dealer. Some dealers are exactly like that, whereas others will do their very best to scrounge up a courtesy car.

How does insurance work on a courtesy car?

Courtesy car insurance cover. Courtesy car cover is often included as part of your comprehensive car insurance package, rather than a stand-alone policy. It provides a car for you to use for your day-to-day activities while your own car is in the garage after an accident.

What happens if you don’t tell your insurance about an accident?

If you don’t tell your insurer about the accident, or if you tell them too late, then they may cancel your policy and refuse to insure you in the future.

Will my insurance go up if someone hits my car?

Yes. Regardless of whose fault it was, making a claim will almost always lead to an increase in your car insurance premium. Luckily, a non-fault claim won’t affect it as much as an at-fault claim will. Even if you don’t make a claim after an accident, you could still see an increase in your insurance premium.

What documents do I need for a courtesy car?

What should be on a Courtesy Car Form?…The agreement must be signed by the customer and must contain specified details, these include;the customer’s name,date of birth,permanent address and address at the time of hire (if different), and.full particulars of their driving license.