Will They Show You Courtesy after a Crash?
Byline: ROSANNA SPERO
ONE of the frustrating things in the aftermath of a minor accident can be having no car while yours is being repaired or replaced.
But some insurers offer a courtesy car or cheap rates on hire cars to customers - so check out the small print.
The biggest differences come in the insurer's treatment of cars that can be repaired against those that are written off or stolen.
Norwich Union, part of the CGNU group, offers different cover depending on how the policy was bought.
If you bought through an intermediary and your car is sent to an approved repairer, a courtesy car is available for 72 hours. After this, special rates for car hire have been negotiated. This is available only if your car is damaged or written off - not stolen.
If you buy through NU Direct, separate courtesy car cover must be bought.
This gives a courtesy car for up to two weeks while your car is being repaired and cheaper car hire rates thereafter. The cover applies to both stolen and damaged or written-off cars.
Cornhill Direct gives a courtesy car and up to 14 days use of a hire car to its Premier customers whose cars are being repaired by an approved garage or which have been written off.
It is not available if a car has been stolen. Silver and Gold customers pay an extra [pounds sterling]12 for this cover.
Royal & SunAlliance offers a courtesy car while repairs are carried out by an approved garage. Otherwise, a courtesy car is available until it's decided that a car has been written-off or stolen. A cheque is sent out as settlement and the written-off car taken away.
Churchill offers a courtesy car only while repairs are carried out. …