Most people would think, especially given the high cost of insurance these days; that they would expect their insurer to arrange a courtesy car; so they will be surprised as to the restrictions and extra costs involved. The Top 10 motor insurers – between them they account for 85% of all car insurance policies sold in the UK. Here we have analysed what they offer, when it comes to supplying a courtesy car.
Firstly see what EasiGo Accident Management offers to anyone, regardless of their insurance cover who has just had a non fault accident – all at no cost!
If the accident was not their fault, EasiGo Accident Management Company, which has been registered as a Claims Management Company for over ten years, will provide the following:
• A similar-sized car, whatever type of policy they have.
• A like for like car, if theirs is 5 years old or younger.
• The option of choosing Main Agent, or own repairer.
• A courtesy car supplied until the car is repaired, or until they have been paid out, in the case of a total loss.
In contrast, most of the top 10 insurers will only supply a small 3 door, car, unless they have paid for extra cover. Most of them will only supply a courtesy car, if they are Fully Comp insured.
Nine out of ten only supply a courtesy car as, if the car is not worth repairing. A few offer this as an extra-cost option.
The largest, Admiral only includes a courtesy car as standard, with comprehensive car insurance policies This is only as long as the car’s repairable and fixed at their own, approved garages.
Likewise, Axa the second-largest requires them to use their approved repairer. They cover all types of insurance policies but only supply small, three-door cars.
All of the top ten biggest insurers insist they use their own Approved Repairer Network if they want a car. Ninety percent do not provide a courtesy car in the event theirs is a write-off, or limit it to a maximum of 21 days.