We all rely on our vehicles to get us from A to B, so it’s important to know we’ll have access to a courtesy vehicle if our vehicle is out of action.

There are a variety of factors impacting whether you will have access to a courtesy vehicle whilst your vehicle is being repaired.

If you’ve been involved in an accident that wasn’t your fault and are claiming on a third-party’s insurance policy, you should be entitled to a courtesy vehicle whilst your vehicle is out of use.

If you’ve been involved in an accident that was your fault and have to claim on your insurance policy, you are making a claim under the terms of your own contract. This may mean that you are not entitled to a courtesy vehicle, unless otherwise specified in the terms of your insurance policy.

Whilst many comprehensive car insurance policies include access to a courtesy vehicle if required, this may not be the case in every instance. Some insurers allow you to pay extra to have the courtesy car option added to your policy. However, there may be some restrictions and exclusions. For example, some insurance providers might state that you have to take your vehicle to one of their network-approved repairers in order to have access to a courtesy vehicle. We would always advise checking the terms of your insurance contract carefully to ensure the policy meets your needs.

To mitigate this, at CARS we have hybrid courtesy vehicles available to our customers, should they require one. This means that you can bring your vehicle to a local, independent repair centre without worrying about getting around whilst your vehicle is in for repair!