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Courtesy car insurance

POR_NT

POR_NT

PCGB Member
Member
Scheduled to drop my car off at the OPC this week for a major service.

Asked about the chance of a courtesy car (as the dealer is good 45 minutes from home, and I'm not prepared to sit & wait for 5 hours).

They do have a vehicle available, but they stated that I would need to arrange fully comp insurance?

I've made tentative enquiries with my insurance broker (can't do anything more than that at the mo as the OPC doesn't know which car I will be given) and the broker also asked why the dealer wasn't insuring it.
As my broker is Academy, and they appear a reasonably popular choice amongst other 911 owners, if this was "standard" practice, I'd not expect them to be raising the question either.

Is this standard practice at all OPCs, or am I being victimised because my car is 7 years old / worth circa £30k, versus the courtesy car that might be brand new and be valued nearer £80k?

I don't mind if it is indeed the former (and that the rule applies to everyone), but would feel a little aggrieved if it's the latter...
 
I cant speak for all OPCs but Wilmslow is the same. I just call my insurance co and tell them the situation. No problems so far!
 
My car has been serviced twice and on both occassions, I had to insure the car myself.

I do not think that this is a bad deal (my insurance company charged £12.00 per occassion).

But at least you are given a better car than a Micra!
 
The OPC in question is actually Wilsmlow...

And if the cost is in the region of £15-20 then that's fine.

Thanks.
 
I use Academy (NU) and they charge nothing. All you have to do is get the details of the car...even if it's the day before, and get Academy to fax over a cover note to the OPC. You will probably get a car near to the value of your car (Boxster or Cayenne).

This is standard OPC practice.
 
Can I add to this debate something which, I am sure, is correct but not too well known; certainly A Manning were not aware of it.

If you simply swap cover for a couple of days while your car is being worked on your car will be covered for most things by the company who has it. If they dent it or scratch it, they should fix it. If its stolen from their premises, or the place goes up in flames, it probably isn't unless they were negligent. Your car will be uninsured and you may have to prove in court that they were negligent to recover the value of the car.

I always add the courtsey car to my policy. It costs more but you are fully insured throughout. Check it out with your dealer and your broker.


 
My insurance (Liv-vic) specifically says on the certificate "...and any car loaned to the policy holder while the above car is being serviced or otherwise in the possession of the motor trade...".

If you have to call the company everytime, then it costs them more to handle the call than they could ever charge for a day's insurance, so they may as well make it free and automatic.
 
Mark

Mine says the same and it gives me third party cover on the courtesy car automatically but may not cover my car on the dealer's premises.

 
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