Courtesy Car Excess Insurance
Discussion
I generally do not like having a courtesy car, but rear washer failure of my Macan meant I was driving their Cayenne for a week. It was supposed to be 2 days, but a series of their cock ups meant it went on & on.
As I was eventually returning the car I called in to top up the fuel, when I got back into the car a massive crack had developed in the screen during the five minutes I was filling up. I have no idea how it happened, I did not notice anything hit the screen.
Anyway I return their car & show them the crack, the screen obviously needs replacement. They draw my attention to the terms & conditions of the car loan agreement which has a £500 excess on any damage. Which is significantly higher than my own cars policy where the excess is £115.
Part of their justification is that if I had hired a car I would be liable for the damage, which is a fair point. However, whenever I rent a car I always take the Collision Damage Waiver or any other insurance that reduces my potential outlays to the lowest amount possible.
The garage did not offer any such insurance option, which if available I would have taken. I looked on line and found cover is available at £12.79 per day, which seems reasonable. I dare say that could be negotiated lower for repeat business.
Given that they are drawing parallels with a car rental scenario where such CDW cover is available, does anyone agree with me that not offering that option or advising that insurance cover could be available is unreasonable. Also that applying the same £500 excess for windscreen damage is a bit strong.
As I was eventually returning the car I called in to top up the fuel, when I got back into the car a massive crack had developed in the screen during the five minutes I was filling up. I have no idea how it happened, I did not notice anything hit the screen.
Anyway I return their car & show them the crack, the screen obviously needs replacement. They draw my attention to the terms & conditions of the car loan agreement which has a £500 excess on any damage. Which is significantly higher than my own cars policy where the excess is £115.
Part of their justification is that if I had hired a car I would be liable for the damage, which is a fair point. However, whenever I rent a car I always take the Collision Damage Waiver or any other insurance that reduces my potential outlays to the lowest amount possible.
The garage did not offer any such insurance option, which if available I would have taken. I looked on line and found cover is available at £12.79 per day, which seems reasonable. I dare say that could be negotiated lower for repeat business.
Given that they are drawing parallels with a car rental scenario where such CDW cover is available, does anyone agree with me that not offering that option or advising that insurance cover could be available is unreasonable. Also that applying the same £500 excess for windscreen damage is a bit strong.
When my Duster goes into the local dealer for its monthly visits the excess is about £1k. I take out the £10 a day cover that reduces the excess to £0.00. It’s there that frequently they’ve even stopped charging me now as I pointed out my annual cover is only £140 so their £3650 pa was a bit steep.
I always check the excess as I knew someone who crashed a L R Freelander courtesy car 10 yrs ago during a service and the excess was £5k.
I always check the excess as I knew someone who crashed a L R Freelander courtesy car 10 yrs ago during a service and the excess was £5k.
Sheepshanks said:
See if your own insurance covers courtesy cars - mine with LV= does, and so does daughter’s Aviva policy.
I think the excess is waived too, on the LV cover.
One of my cars is insured with LV, I can’t readily see the cover for courtesy cars that you are describing. But I can see that loan cars made available by LV when is mine off the road owing to an insured loss would be covered. Or have I missed something. I think the excess is waived too, on the LV cover.
Anyway, surely this would entail me making a claim under the LV policy. Which I wouldn’t really want to do.
Porsche dealer messing things up. Porsche West London by chance ?!
When I get courtesy cars Porsche do tend to offer the excess waiver. I have an Insurance For Car Hire policy for £50 a year so decline.
I would also ask again re the excess. Most policies have a low or no excess for glass. Their policy is a trade policy so I accept it may not but it is worth an email
When I get courtesy cars Porsche do tend to offer the excess waiver. I have an Insurance For Car Hire policy for £50 a year so decline.
I would also ask again re the excess. Most policies have a low or no excess for glass. Their policy is a trade policy so I accept it may not but it is worth an email
N111BJG said:
One of my cars is insured with LV, I can’t readily see the cover for courtesy cars that you are describing. But I can see that loan cars made available by LV when is mine off the road owing to an insured loss would be covered. Or have I missed something.
Anyway, surely this would entail me making a claim under the LV policy. Which I wouldn’t really want to do.
This isn't mine, found it on the web, section 1b. I have had garages query that DOC is only 3rd party but that doesn't apply. One insisted on calling LV and they confirmed the cover is the same as the registered vehicle.Anyway, surely this would entail me making a claim under the LV policy. Which I wouldn’t really want to do.
I was wrong about the excess - per the above, everything is the same as the registerd vehicle, including who can drive (but you ought to give other driver's licence details to the garage otherwise they don't have permission). The excess thing I was thinking of is that it doesn't apply if your car is damaged by a garage or parking valet etc.
I don't always have to use it - sometimes I show it and garages say "oh, don't worry, the car is fully covered anyway".
Gassing Station | Finance | Top of Page | What's New | My Stuff