Car insurance - about courtesy cars


When you choose a car insurance policy you may be tempted to pick an insurance policy with a courtesy car included. However you should be careful to study the small print as you may not get the service you expect.

For example a policy may offer you a 'courtesy car' while your car is being repaired, but it may not be one that is suitable for your needs.

There is somtimes confusion between the term 'courtesy car' and the term 'replacement vehicle'. Strictly speaking a 'courtesy car' is provided at the discretion of the accident repair centre that is repairing your vehicle.

A 'replacement vehicle' is generally a vehicle that is provided specifically under the terms of your car insurance policy. These terms can vary depending on your policy and may include many restrictions on the type of vehicle available and the duration you can use it for.

These restrictions may of course be adequate for some drivers, but what if they are not, or you are unable to afford the higher cost of the car insurance policy?

Here at Car Call we and our partners specialise in helping people involved in non-fault road accidents. If you are in this position we will be able to offer you a like-for-like replacement vehicle for the duration of your repairs, regardless of the terms of your policy and without the need to make a claim on your insurance policy. What's more - we will arrange for your car to be repaired too!

A free replacement vehicle and repairs without making an car insurance claim?

If you are involved in a non-fault accident, we and our partners can handle your accident claim independently of your insurer and provide you with additional benefits such as a like-for-like replacement vehicle - which may not be available on your existing policy.

We and our partners can provide these services for free because we will recover the costs of these services directly from the at fault drivers insurer on your behalf. We and our partners help thousands of motorists every year this way, which can help them keep their no-claims discount and save them money.

If you would like to find out more about our services just give us a call on 02392 484 244 for free advice or simply complete our online enquiry form using the button below, and one of our experienced claims advisors will be happy to assist you.


No need to claim on your insurance

Anyone who has been involved in a road accident has the right to choose who repairs their vehicle. If you were responsible for the accident you were involved in, the company that insures your vehicle would normally deal with your accident claim.

However if you were not at-fault for the accident, you can choose to either claim on your own insurance policy or make a claim independently of your insurer. To find out more call 02392 484 244 and we will be happy to help.

We and our partners help thousands of people make independent accident claims. Our service enables motorists to get the help and assistance they need to resolve their accident related issues, with the costs being recovered directly from the at-fault driver on your behalf.

No excess to pay

Unfortunately even if an accident was not your fault, your insurer will almost certainly require you to pay your excess before any repair is started on your car.

This money should of course be recovered by an insurer at a later date, but with our service - you do not have to pay it at all.

By using our independent claims service, you are not making a claim on your insurance policy and so you will have no excess to pay.

Receive a like-for-like replacement hire vehicle

Not all insurance policies will include a replacement hire-car for you to use if yours is damaged and unroadworthy. In fact it is typically an 'optional extra' on your policy.

Other policies may offer a 'courtesy car' but this is often just a 'basic' saloon or hatchback which may not be suitable for your needs.

Car Call and its partners will provide a like-for-like replacement vehicle as part of our service. This means we will endeavour to supply a hire-vehicle that similar to your own in terms of its type, make and engine size.

So whether you drive a small hatchback or a prestige sports car, we will look to provide a similar hire-vehicle that suits your needs.

Manufacturer approved vehicle repairs

If you have been involved in a car accident, the last thing you want to have to worry about is the quality of the repairs to your car. We have a UK wide network of partner approved Accident Repair Centres available to all of our customers.

Many of our accident repair centres are have manufacturer approvals for specific brands, so if you require a manufacturer approved repair centre, simply tell your personal claim handler and they will ensure your vehicle goes to an approved repairer.

Want you vehicle repaired by a specific garage? No problem, we can alternatively use a repairer that you specify.

Legal Assistance

Our partner solicitors provide legal assistance as part of our service. They specialise in motor claims related issues, so you can be assured of the best possible advice and assistance.

They issues they can assist you with include:

  • Recovery of the cost of the replacement hire-vehicle
  • Recovery of the cost of uplifting your damaged vehicle
  • Recovery of all repair costs
  • Recovery of the cost of damaged of personal items
  • Seeking financial compensation for an injury