Car things : comments [Matthew's Journal]

The only case in which it's not bad value for the customer is if they actually wouldn't be able to find the £500 if they needed it.

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Doesn't one's normal insurance cover it? Prob not. Grr. When we get routine work done, we don't book a courtesy car and so this does not arise. When we have on the odd occasion either booked such a car, or hired a car, we have paid the waiver as we prefer to pay £5 (less than 100 times over my/our lifetimes, I suspect) than find £500, whether I have it or not.

I sincerely hope however that when I get the courtesy car as part of my insurance deal next week (our car is to be fixed) then this will not apply.

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Normal insurance contracts I have known specifically exclude any vehicle that you're using on a commercial basis (hire cars, courtesy cars, etc): presumably so that the insurers can make more money.

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You can use your own insurance to cover a hire car or a courtesy car but there are a couple of pitfalls.

1) Usually garages want you to have fully comp cover if you're putting a courtesy car onto your own cover.

2) Your insurance company usually want to add a small premium to add another car to your policy temporarily (this isn't that unreasonable as people are more prone to having accidents in unfamiliar vehicles)

3) Usually neither the garage or hire company can tell you which vehicle you will be in before the day... but they will want a copy of the cover note providing cover for the vehicle from your insurer before they'll let you take the car away. So how much hassle that is depends on your insurance company, some used to get back to us within half an hour, some take up to 6 hours to supply a faxed copy of a cover note.

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Matthew's Journal

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October