Courtesy car accident claim

[Martiens]

Private person A's fully insured (SAGA) car is damaged. SAGA provide Courtesy Car (CC) as per Insurance agreement. CC is damaged while parked overnight at A's home. Insurance now want A to pay for damage to CC. A is told that they had to get a 'cover note' from SAGA before using the CC.
Does this sound right?

[Ethel]

"6. Replacement car cover
If your vehicle is damaged in circumstances that give rise to a valid claim under Part 1 of the �Loss or damage� section of the policy, we will ask our nominated supplier to provide you with a replacement car.
We will automatically extend the cover provided by this policy to the replacement car that our nominated supplier provides. Our existing policy terms and conditions will apply unless our nominated supplier advises you that they are providing alternative insurance free of charge, in which case you will be advised of any differences in the terms, conditions and excesses that apply."

This is from the Sage policy. As you can see, it expressly states, "We will automatically extend the cover provided by this policy to the replacement car "

There is no mention of 'cover note' or anything remotely like it, so no, I don't see how that can be right

[Martiens]

thanks very much!!!