Hi I usually do my own servicing, but my Father has a Jaguar that he purchased from a main dealer, and is taking in for its first service. The dealer has told him that there is an insurance charge for providing a courtesy car ! is this normal ? I thought you normally drove a courtesy car on your own third party cover and they insured the vehicle itself under their dealer policy. He rang his own insurers and they wanted the full details of the courtesy car such as year of manufacture and value etc which he had no idea of and wanted to charge about £50 !.
2 weeks ago this same dealer threw me the keys of a brand new 4.2 litre supercharged XK8 and said give it a go ( on my own ) without even asking if I had a licence let alone insurance !. Which was especially stupid as there was no way I was ever going to buy a car which cost more than my mortgage .
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different dealers have different policies so there is no right or wrong answer but generally dealers have a courtesy car fleet and will make you sign various forms for insurance and to say you will pay any fines that are incured whilst it is in your possestion before you can drive it.
Some dealers will make you insure the vehicle yourself but i've never heard of a dealer making you pay to use their insurance on a courtesy car.
You may find that the service and sales department have different and seperate insurance policies hence the differences.
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I had to pay insurance on a courtesy car, but I was 17 at the time and it was a brand new Renault Megane. When I test drove my current car, the dealer handed me the keys and a set of trade plates, and told me to bring it back in an hour. I bought the car.
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>>Different dealers have different policies so there is no right or wrong answer but generally dealers have a courtesy car fleet and will make you sign various forms for insurance and to say
>>you will pay any fines that are incured whilst it is in your possestion before you can drive it.
>>... but i've never heard of a dealer making you pay to use their insurance on a courtesy car.
Last week I had a courtesy car from a large main dealer. I signed re fines and paid about £10 for the use of the car on the dealers insurance.
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there is an insurance charge for providing a courtesy car ! is this normal ?
Pretty much so. Where I take mine, the current rate is £10. It's not so much an insurance charge, it's a collision waiver. It's not a compulsory charge and you're not obliged to pay it if you don't want to, but if you had an accident that was deemed your fault, then you have to pay the £200 excess on the insurance policy. Rules might be different depending on the garage of course.
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A few years ago, my step father asked his son (so my step brother) to return the courtesy car and collect SF's car. At traffic lights before the garage, SB drove into the back of someone.
No forms had been signed for the courtesy car, just given the keys.
SB and SF initially claimed that the garage's insurance covered, the garage denied all liability and SB ended up claiming on his insurance.
Very messy, do ask what you're signing for.
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The last time I enquired about a courtesy car while mine was being serviced I was told I would have to agree to an insurance excess of £1000.
I did without.
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Local Renault dealers - £10 for courtesy car. Recently had a Modus and a Scenic.
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My local Lexus dealer (who subsequently lost their franchise to another dealer who were useless but had better block paving) used to keep a record of which cars you'd had previously and always suggest you try whatever the latest and greatest model was you hadn't tried before.
In other words, they used their courtesy cars as a sales technique which I always thought was a clever idea.
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Try checking your insurance cert - mine (NU) now includes automatic cover for max 7 days for any vehicle loaned to the policyholder by a garage, motor engineer or vehicle repairer while yours is either being serviced, repaired or undergoing MOT test. My garage has a large excess if you accept their cover, although currently there is no actual charge for a courtesy car. However, if your cover provides better cover than theirs then it's obviously worth using.
CG
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My dealer expects me to provide my own insurance. This is easy, just phone the insurance company with reg number, model etc and they insure you there and then. As long as the courtesy car is in a lower group than your own car it is FOC. You are fully covered just like it was your own car.
This is with Directline BTW.
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Concur with CG re NU Direct foc courtesy car cover.
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