Courtesy car from garage, insurance?

dexoticus

If a garage provides me with a courtesy or "loaner" car, do I have to transfer my own insurance policy onto it? And if so what if I only have third party fire & theft (i.e. no cover for the loaner car)...would the garage have policies that cover the courtesy car itself?

biko

Don't know. Can you ask the garage?

Alanstrainor

Ask them, I've had to transfer my insurance to a loaner car in the past.

Prenderb

Agree, check with garage. Many will arrange the transfer for you when you're picking up the loan car.

(If driving of other cars [with owners' permission]is included on your policy, this might cover you, but safer to check with your insurance company and/or the garage)

sunnysoutheast

dexoticus wrote: »

If a garage provides me with a courtesy or "loaner" car, do I have to transfer my own insurance policy onto it? And if so what if I only have third party fire & theft (i.e. no cover for the loaner car)...would the garage have policies that cover the courtesy car itself?

In Ireland I've transferred my fully comp. policy to loan cars in the past without issue (no admin fee etc.) by calling them there and then but I doubt the garage would be too happy if you are only TPF&T.

In the UK I've been loaned cars on the garage's insurance but had to provide copy of licence and NCB first.

Liam McPoyle

dexoticus wrote: »

If a garage provides me with a courtesy or "loaner" car, do I have to transfer my own insurance policy onto it? And if so what if I only have third party fire & theft (i.e. no cover for the loaner car)...would the garage have policies that cover the courtesy car itself?

The rule of thumb is that if your car is in for repairs / service and the garage gives you a courtesy car then you need to contact your insurer and transfer your insurance from your own car onto it, the cover on the courtesy car will mirror your existing policy.

Your own car will be covered under the garages public liability insurance for the duration.

dexoticus

I did ask the garage. They said they don't have cover for the courtesy car itself so I'd need fully comp insurance. But I cannot change my policy to fully comp mid-way through without permanent change to another vehicle! I guess my question is whether garages in general have cover on their courtesy cars, or do they expect that everyone who'd need a courtesy car (e.g. while under repair) will have fully comp insurance?

jca

I just had the use of the loaner today, the garage rang my insurance company (123.ie) who didn't charge an admin charge. I asked if I didn't have comprehensive cover what would the arrangement be, they said I would have to go on their policy at a cost of €30 per day.

bazz26

I had a loaner today too while my car was having an air conditioning leak sorted. The dealer's policy is to provide 1 day insurance cover on their courtesy car for €10. Works out well if you only have third party on your own policy. Varies from garage to garage though.

Downside is they gave me a Peugeot 208 1.4 HDi Ecomatic, terrible car.

dexoticus

bazz26 wrote: »

I had a loaner today too while my car was having an air conditioning leak sorted. The dealer's policy is to provide 1 day insurance cover on their courtesy car for €10. Works out well if you only have third party on your own policy. Varies from garage to garage though.

Downside is they gave me a Peugeot 208 1.4 HDi Ecomatic, terrible car.

Guess you had to pay the €10 yourself?

bazz26

Yep, as a policy they don't allow you transfer your own insurance over to their car. They probably got burnt before where someone had a smash in their car and wasn't fully covered.

jca

bazz26 wrote: »

I had a loaner today too while my car was having an air conditioning leak sorted. The dealer's policy is to provide 1 day insurance cover on their courtesy car for €10. Works out well if you only have third party on your own policy. Varies from garage to garage though.

Downside is they gave me a Peugeot 208 1.4 HDi Ecomatic, terrible car.

I got a 161 Yeti Monte Carlo. Lovely car to travel in and drive but they're as ugly as sin and that 1.6 diesel sure is sluggish.