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I had an accident in a courtesy car, what do I do?
My car was having a clutch fitted, the garage lent me a car. A courier company vehicle (I think in training) drove into my lane on a busy roundabout forcing me to break sharply and collide with them (my left bumper into their right rear). They aren't accepting responsibility.
I am insured by Privilege, which includes: the Policyholder (Main Driver) may also drive with the owner's permission a motor car not owned by them and that is not a hire, rental or courtesy car, unless we have provided or arranged it; and not hired or leased to them under a hire purchase or annual leasing agreement.
Privilege say I am only covered with them for third party for damage to the courier vehicle as it's a car loaned to me and that I need to make a claim through the courier's insurers myself. The garage say insurers tend to tell to avoid cost on their part and that I should pursue them.
Might you know where I stand legally please?
I am insured by Privilege, which includes: the Policyholder (Main Driver) may also drive with the owner's permission a motor car not owned by them and that is not a hire, rental or courtesy car, unless we have provided or arranged it; and not hired or leased to them under a hire purchase or annual leasing agreement.
Privilege say I am only covered with them for third party for damage to the courier vehicle as it's a car loaned to me and that I need to make a claim through the courier's insurers myself. The garage say insurers tend to tell to avoid cost on their part and that I should pursue them.
Might you know where I stand legally please?
Asked on 1 September 2023 by samk1970
Answered by
David Ross
Generally speaking, car insurance policies that offer you the facility to drive other cars loaned to you with the owner's permission do so on a third-party cover basis, although we would expect the terms and conditions to make this clear. Unless you are covered under fully comprehensive terms, you will need to pursue through the third party's insurance company.
In addition we would expect the garage to make clear the terms and conditions of loaned vehicles, so we would advise checking these before contacting the third party's insurer.
In addition we would expect the garage to make clear the terms and conditions of loaned vehicles, so we would advise checking these before contacting the third party's insurer.
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