Author Topic: Car Insurance Extras.  (Read 228 times)

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Coachdriver

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Car Insurance Extras.
« on: January 24, 2025, 07:23:09 pm »
When you take out car insurance the company offers extra services.

 These are typically Breakdown Cover, Motor Legal Protection, Higher Personal Injury Amounts and Replacement Car After An Accident.

Now, I have stand alone Breakdown Car cover at a better rate and wider cover. I also have a separate RAC Motor Legal Protection Policy covering my 2 cars at a lower premium than they charge for one car.

What I am missing is separate cover for the short term supply of a car when my car is stolen, burnt out or damaged in a RTA.

Has anyone heard of this being available separately from the basic car insurance policy?

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mickR

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Re: Car Insurance Extras.
« Reply #1 on: January 24, 2025, 08:29:50 pm »
have you searched for replacement car insurance

Coachdriver

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Re: Car Insurance Extras.
« Reply #2 on: January 25, 2025, 10:40:44 am »
Thanks for your suggestion.

I had tried searches with other words and no success.

This search brought up insurance companies touting their add on for hire car cover as before but well down the list was a company called Coplus who independently offered a replacement vehicle ranging from cars through to dual controlled cars, vans and 4X4s.  I’ll get a quote from them.

If anyone else has experience with stand alone hire car insurance I would be glad to hear from them.

Rallyman72

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Re: Car Insurance Extras.
« Reply #3 on: January 25, 2025, 03:32:57 pm »
Do you not have supply of a Courtesy Car as part of your normal policy?

roythebus

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Re: Car Insurance Extras.
« Reply #4 on: January 27, 2025, 12:45:04 pm »
I don't have that on my policy, but it does cover me for driving a courtesy car should mine be in for repair.

What a lot of people are falling foul of these days is use for delivering food or parcels. Mine specifically excludes such use.
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Coachdriver

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Re: Car Insurance Extras.
« Reply #5 on: January 27, 2025, 03:38:55 pm »
Do you not have supply of a Courtesy Car as part of your normal policy?

Yes, I have that option on both of our policies.

I have 2 cars, mine & Mrs Coachdriver's, so I will be paying twice to have the benefit of one replacement car when needed.

That assumes that we wll be covered so long as catastrophe does not happen to both cars at the same time.

The separate RAC Motor Legal Protection Policy covers both cars in one stand alone policy and as I mentioned earlier,comes out cheaper than the Insurance company charges for one car.I was hoping that a stand alone replacement car policy might function in the same way.



What a lot of people are falling foul of these days is use for delivering food or parcels. Mine specifically excludes such use.

I always use SDP plus business use to cover both of us carrying business things to and from work.

Fortunately we are not keen on delivering food or parcels.

Coachdriver.

nigelbb

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Re: Car Insurance Extras.
« Reply #6 on: January 27, 2025, 05:13:21 pm »
I don't have that on my policy, but it does cover me for driving a courtesy car should mine be in for repair.

What a lot of people are falling foul of these days is use for delivering food or parcels. Mine specifically excludes such use.

I recall a couple of years ago I took the car to a different garage for servicing as they were supposed to be Jaguar specialists (but that's another story). They said that I could have a courtesy car but I would need to sort out insurance. I was pleased to find that even though I wasn't insured to drive other cars the policy stated that I was specifically insured for a courtesy car when my car was in for service or repairs.