Do I Get A Courtesy Car If Mine Is Stolen?

Do you get a courtesy car with Hastings?

With a comprehensive policy, you’re covered for a courtesy car whilst your car is being repaired after an accident.

That’s what our substitute vehicle cover is for, so you can relax in the knowledge that if your car’s completely out of action, you’ll receive a like-for-like replacement vehicle for up to 21 days..

Does a courtesy car have to be like for like?

You’re probably not guaranteed a like-for-like vehicle unless you’ve paid extra for that level of replacement vehicle cover. At the very lowest level of cover, some policies don’t guarantee a courtesy car at all. If demand is high and the repair centre doesn’t have a suitable car available, you might not get one.

What do insurance companies do with written off cars?

Uneconomical can mean repairs would cost 50%-60% of the vehicle’s value, but this could be even lower for a brand new vehicle. The car will then be kept by the insurer and you will receive a cash payout for the loss, usually the vehicle’s ‘market value’.

What happens to my insurance after a write off?

If your car is written off and you have a fully-comprehensive car insurance policy your insurer will pay out the vehicle’s current market value.

Is it illegal to sell a car that has been written off?

While it is legal to sell a car that was deemed a “repairable write-off” and re-registered before January 31, under the 2004 Motor Dealers Regulation, car dealers must tell consumers if a vehicle has previously been declared a write-off. … Both buyers and car dealers in NSW need to request this information from the RTA.

Do I get a courtesy car if mine is a write off?

If your car is stolen or written off after an accident, your insurer might not give you a courtesy car. This means you won’t have a car unless your policy has hire car cover. This isn’t usually included with comprehensive cover but can be as an add-on.

Will my insurance go up if someone hits my car?

Yes. Regardless of whose fault it was, making a claim will almost always lead to an increase in your car insurance premium. Luckily, a non-fault claim won’t affect it as much as an at-fault claim will. Even if you don’t make a claim after an accident, you could still see an increase in your insurance premium.

Does at fault driver pay for rental car?

If you’re at fault for an accident, or if your car was damaged in a non-collision event, your rental fees will only be covered if you added the optional rental reimbursement coverage to your policy. In that case, contact your own insurance agent to file a claim and manage the auto rental process.

Do I have to tell my insurance if someone hits me?

Yes – if you’ve been in an accident, you do have to tell your insurer. You should send your insurer a letter telling them what’s happened. But make it crystal clear that this is for ‘information only’ and you don’t wish to make a claim.

Who pays for hire car after accident?

Use the Negligent Driver’s Insurance Company As part of your compensation, the party that caused the accident is equally responsible for providing you a rental vehicle. This insurance company must compensate you for the cost of a rental vehicle as part of the settlement.

Can you keep a written off car?

If your car’s declared a write-off, but you still want to keep it, this could be possible. If it’s classified as a category S or N, this is deemed repairable, so you should be able to buy it back. … Once your settlement fee is agreed, your insurance provider legally owns the car, so you’ll need to act quickly.

How long do you get a courtesy car for?

When you have an accident, your policy will set out the type of courtesy car to which you are entitled and for how long. If the accident is your fault, you can normally have a courtesy car for up to 30 days.

What documents do I need for a courtesy car?

What should be on a Courtesy Car Form?…The agreement must be signed by the customer and must contain specified details, these include;the customer’s name,date of birth,permanent address and address at the time of hire (if different), and.full particulars of their driving license.

Should a garage give you a courtesy car?

There is no legal or Code obligation on any accredited business to give you a courtesy car. Bear in mind that there may be a charge for the courtesy car, to cover the costs of insurance or fuel. …

Do I get a courtesy car if my car is stolen?

While some policies offer a courtesy car as standard, others only have them as optional extras or don’t offer them at all. The cause If your car is written off or stolen, many standard policies won’t give you a courtesy car as the clause only covers you for repairs. …

Will my insurance cover a courtesy car?

While some policies will cover you to get a courtesy car, you may still have to pay for insurance to use it. … If you were involved in an accident and the other driver was at fault you can claim for a courtesy car against their insurance, whether or not your own insurance policy offers one.

Do I pay excess if I am not at fault?

When you won’t pay an excess If you’re found not to be your fault, your insurer claims the excess back from the at-fault party’s insurer, along with other costs. Assume you’ll have to pay your excess first to get your claim started.

Should I call my insurance if it wasn’t my fault?

The safest bet is always to call your own car insurance company after an accident. They can tell you what kind of coverage you have for personal injury, collisions, damages and medical expenses. You may also have uninsured motorist coverage you can use if the other driver doesn’t have insurance.