Quick Answer: What Is The Difference Between A Hire Car And A Courtesy Car?

Do you get a courtesy car with Hastings?

With a comprehensive policy, you’re covered for a courtesy car whilst your car is being repaired after an accident.

That’s what our substitute vehicle cover is for, so you can relax in the knowledge that if your car’s completely out of action, you’ll receive a like-for-like replacement vehicle for up to 21 days..

What does courtesy car mean?

A courtesy car is a vehicle provided by a garage or repair shop for use while your car is being repaired. A courtesy car may be provided as standard on your car insurance policy, or you may need to purchase it as an optional extra.

How long do you have a courtesy car for?

30 daysWhen 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.

Will my insurance cover a courtesy car?

While some policies will cover you to get a courtesy car, you may still have to pay for insurance to use it. … If you were involved in an accident and the other driver was at fault you can claim for a courtesy car against their insurance, whether or not your own insurance policy offers one.

Should a garage give you a courtesy car?

There is no legal or Code obligation on any accredited business to give you a courtesy car. Bear in mind that there may be a charge for the courtesy car, to cover the costs of insurance or fuel. …

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.

Do you get a courtesy car if your car is written off?

If you were not deemed “at fault” for the accident, you are immediately entitled to a courtesy car when your vehicle is written off. … In this situation, your insurance company is the at fault insurer, and will not usually pay for you to have a car to use.

What happens if you hit a courtesy car?

What happens if I have an accident in my courtesy car? … So if you have an accident in a courtesy car, you’ll only need to pay the excess on it to get it repaired. As with your standard policy, this would be refunded if it later turns out that the accident is non-fault on your part.

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.

Can I keep insurance money and not fix car?

When can I keep the check and not fix my car? If you own your car outright and your insurance policy doesn’t specifically require that the claims check go to your auto body shop, then the money from a claim is yours, and you can basically do whatever you want with it.

How much damage before a car is written off?

Generally, any repairs that exceed around half to two-thirds of the value of the vehicle may lead the insurer to consider the car not worth repairing and therefore a write-off. Ultimately, an insurer will not repair a car if it is unsafe or uneconomical to do so.

How does insurance write off a car?

Car insurance companies each have their own assessment criteria to calculate repair costs, which are used to determine whether your car is deemed ‘written off’. After an accident, your car is considered a write-off if it’s beyond repair or would cost more to fix than the value of the car itself.

Is a courtesy car the same as a hire car?

If your car is immobile or unroadworthy we aim to provide a courtesy car within one working day. Automatic courtesy cars can be supplied, providing the car being repaired is an automatic….What’s the difference between Hire car and Courtesy Car?Standard Courtesy CarOptional Hire CarReplacement car if yours is stolen up to a maximum of 21 days.NY2 more rows

What documents do you need for a courtesy car?

The Courtesy Car form you use should contain a statement that confirms the customer has had the controls demonstrated to them….Courtesy Car Formthe customer’s name,date of birth,permanent address and address at the time of hire (if different), and.full particulars of their driving license.

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.