If you accept a loan car from a garage while yours is in for servicing or repair, the chances are it'll be covered by a trade insurance policy. These insurance policies often have large excesses which you would be liable for if the courtesy car was damaged while in your care.
Though car hire excess insurance sounds like a great solution, most insurers wouldn't cover garage loan cars because the garage is not a dedicated car hire business.
However, there is a car hire excess policy that will cover your garage loan car.
Worldwideinsure offer this through their Deluxe policy.
The Deluxe policy covers the excess to at least £5,000 and does cover for garage loan cars.
The Deluxe policy is available on a daily basis from a 3 day minimum charge up to 180 days, perfect for a one off repair. Alternatively consider Annual policies for European or Worldwide coverage for loans and rentals up to 31 days, ideal if you just want one policy that will cover both garage loan cars and holiday car hire.
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This content was last reviewed on 30/08/2017