Why do I need to insure a courtesy car?
Discussion
My 59 plate 330D Touring is going in for some warranty work due to some bodywork blemishes from the factory. I asked if they could arrange a courtesy car and they said, sure no problem but I would have to arrange insurance. Is this normal? Never had this from Porsche. Why can't they include the insurance since the problem with the car was clearly caused by BMW and hence covered under warranty? How am I supposed to arrange FC insurance for a week? Sounds like a load of hassle and expense I shouldn't be getting.
Always a problem I have had with a loan car! My car has been back with BMW for 7 weeks now because of 2 paint blemishes that were repaired under warranty by an approved repairer, but realy badly twice, it has now been with BMW direct for 4 weeks. I declined the loan car as with my own car I have a choice on what and how something needs to be repaired after a problem. If I have a loan car and something happens a claim will be made directly on my insurance, but I wasn't expecting to be without the car for so long.
None of my insurance companies ever had a problem (or charged me) to add temporary cover for the loan car. Certainly for Tesco et al, they'll fax a cover note to the dealership.
I think BMW just don't want to get involved with insuring people on their cars, which probably costs them loads.
I think BMW just don't want to get involved with insuring people on their cars, which probably costs them loads.
My dealer always insures the loan car for me. They say i'll get charged 17.50 for the insurance, but i've never yet actually had to pay for it.
What irritates me more is the lack of fuel. I had one this week with 1 litre of fuel showing on the handover sheet. The range said 4 miles when I got into it.
What irritates me more is the lack of fuel. I had one this week with 1 litre of fuel showing on the handover sheet. The range said 4 miles when I got into it.
anonymous said:
[redacted]
This is exactly my point. Why should I be out of pocket for anything at all if BMW have admitted a fault at the factory? If my car was in for a service I could accept the policy but not if a) they have admitted a factory fault and b) it's costing me a load of time to sort out.
.The simple reason is taht te monority ruined ot for the majority. Most delers used to offer a courtesy car with FC insurance automatically included, at which point the idiots promptly crashed the car. This forced the premiums up to an unacceptable level for the dealers to accept and that was that; they withdrew the offer.
It's a simple as situations where people used to get "tabs", but the minority not paying meant the offer was withdrawn for all.
It's a bit weird that a warranty claim wouldn't be covered though. I blagged a £150,000 car when mine was in for poor service from a manufacturer / franchisee whilst they did the remedial work with all expenses covered.
It's a simple as situations where people used to get "tabs", but the minority not paying meant the offer was withdrawn for all.
It's a bit weird that a warranty claim wouldn't be covered though. I blagged a £150,000 car when mine was in for poor service from a manufacturer / franchisee whilst they did the remedial work with all expenses covered.
R1 Loon said:
The simple reason is taht te monority ruined ot for the majority. Most delers used to offer a courtesy car with FC insurance automatically included, at which point the idiots promptly crashed the car. This forced the premiums up to an unacceptable level for the dealers to accept and that was that; they withdrew the offer.
Surely all they needed to do was have a £1000 excess. People would soon look after the cars then.Fox- said:
R1 Loon said:
The simple reason is taht te monority ruined ot for the majority. Most delers used to offer a courtesy car with FC insurance automatically included, at which point the idiots promptly crashed the car. This forced the premiums up to an unacceptable level for the dealers to accept and that was that; they withdrew the offer.
Surely all they needed to do was have a £1000 excess. People would soon look after the cars then.There's no policy that has a 3rd party excess, or incident relsted individual excesses, so there's no way to enforce it.
The issue over "looking after the car" is a tricky one, as few people get a like for like at courtesy car stage. For example, some get higher powered, which they can't handle, or a lower powered one, which gets them into bother, as they forget and take on an unrealistic overtake, cormer too quick for the suspension to cope etc
R1 Loon said:
Fox- said:
R1 Loon said:
The simple reason is taht te monority ruined ot for the majority. Most delers used to offer a courtesy car with FC insurance automatically included, at which point the idiots promptly crashed the car. This forced the premiums up to an unacceptable level for the dealers to accept and that was that; they withdrew the offer.
Surely all they needed to do was have a £1000 excess. People would soon look after the cars then.Fox- said:
R1 Loon said:
Fox- said:
R1 Loon said:
The simple reason is taht te monority ruined ot for the majority. Most delers used to offer a courtesy car with FC insurance automatically included, at which point the idiots promptly crashed the car. This forced the premiums up to an unacceptable level for the dealers to accept and that was that; they withdrew the offer.
Surely all they needed to do was have a £1000 excess. People would soon look after the cars then.R1 Loon said:
It's fully enforceable, the only problem is actually getting hold of the money.
Well why do the dealers do any business at all then, especially servicing/repairs? Surely they would have the same problem, people not wanting to pay for the work in the same way as not wanting to pay the excess in case of an accident with a courtesy car?Silver993tt said:
R1 Loon said:
It's fully enforceable, the only problem is actually getting hold of the money.
Well why do the dealers do any business at all then, especially servicing/repairs? Surely they would have the same problem, people not wanting to pay for the work in the same way as not wanting to pay the excess in case of an accident with a courtesy car?Plenty of time for the customer to cancel their credit card. This does happen a lot. I know because I'm the insurer on a lot of these schemes, so the way around is to either decline cover in the first place and ask the customer to update their own, or the dealer can charge a small fee and pool those as needed to offset the excess on a future claim.
Bear in mind thata I'm talking about the minority who've ruined it for the majority.
There are equally issues for the dealers where the customer pays with a stolen / dodgy credit card. If you require some work to be done on a non-stock part some dealers (and most independants) will ask for payment for it upfront too, as they've been stung by the minority wrecking it for the majority.
The minority vs majority issue is the key problem here, as you may consider whiter than white, but how does a delaer / independant know this?
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