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Not only is a car accident a distressing event to go through – it can leave you struggling to continue with your day-to-day life as your vehicle sits in a garage being repaired. Some of that stress can be eased, however, if you opt to include a courtesy car in your car insurance policy.
Courtesy car cover can help you get back on the road from the moment you drop your vehicle off at the garage, hopefully minimising the impact your accident has on your everyday needs.
Courtesy car insurance cover is any car insurance that provides you with use of a courtesy car while your vehicle is being repaired following an accident. Whether or not your car insurance includes a courtesy car will depend on which level of cover you choose.
Typically, fully comprehensive car insurance will include a courtesy car as part of its package (though always make sure to check your policy first).
However, certain insurers may allow you to add a courtesy car as an optional extra, even if you opt for third party or third party, fire and theft insurance.
As standard, courtesy car insurance won’t cover your car being stolen or written off. Some insurers will allow you to opt for a higher level of cover in order to receive a courtesy car if either of these eventualities were to occur. This is also known as hire car cover.