Do insurers provide courtesy vehicles?

Jason Barker • May 31, 2024

Many of our customers automatically assume that they will be provided with a courtesy vehicle when making an insurance claim… after all, we all need a way to get from A to B.

Ultimately, whether an insurer provides you with a courtesy vehicle may depend on whether the incident was your fault or not. As a brief overview:

AT FAULT - If the incident you’ve been involved in was your fault and you’re making a claim on your own insurance policy, you might not be entitled to a courtesy vehicle, unless otherwise specified in your policy terms.
NON-FAULT – If you’ve been involved in an accident that wasn’t your fault and you’re making a claim on a third-party’s insurance policy, you are fully entitled to a courtesy vehicle whilst your vehicle is out of use, provided you do not have access to another vehicle. However, your insurer might tell you that you have to take your vehicle to one of their preferred repairers in order to have access to a courtesy vehicle. Read our blog ‘Do I have to take my vehicle to one of my insurer’s approved repairers?’ to find out more.

In comparison, at CARS, we offer all customers a courtesy vehicle when required, regardless of the fault of the claim.* We have several options available, from manual to automatic vehicles, and 3 or 5 door options. To ensure we are doing as much as possible on our green journey, the majority of our vehicles are hybrid. This means we can reduce our environmental impact, whilst still helping our customers. You can read more about our green journey via our blog ‘How is CARS of Grimsby going green?’.

Ultimately, if you’ve been involved in accident, we always recommend getting in touch with CARS before your insurance company. Not only will you receive a courtesy vehicle, you’ll also receive credible and non-biased advice, tailored to your circumstances.

*Subject to availability

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