Teso won't insure courtesy car

[sigma]

I booked my car in for a service and requested a courtesy car. The garage asked me to insure it through my insurance.When I contacted my insurance company, Tesco,to insure it for the day they said they couldn't as it was illegal even though they had done this before. Has there been a change in the law or are they just being awkward.

[EvianBaby]

We've done this loads of times at work - although not for about a year so maybe it's changed since then. Have you tried to call and ask them again? Maybe you just call an operator who didn't really have a clue.

[Old_Geezer]

It is certainly not illegal. It is business, even if just for a day or two.

[Old_Geezer]

PS you don't have to go through you present insurers anyway, although you could tell them that if they can not oblige, you would consider moving your business elsewhere come renewal time.

[EvianBaby]

OG - most places that supply courtesy vehicles or hire vehicles will have their own policies which you will be insured under but there can be exceptions where they refuse to insure you and you have to find alternative insurance. In our case one of our drivers has too many points on his licence to be accepted by our garages insurance but a quick call to our own company and they'll add the replacement vehicle for the period we need it.

[AKMild]

We had the same problem a couple of months ago. We'd done it several times before, but it looks like Tesco has moved the goalposts. We had to accept the garage's insurance which was very expensive for what we were getting. Don't think it's illegal, though. If they insist that it is then ask them which law would be broken.

[mickrog]

maybe i am missing the point but having comprehensive insurance i am covered to drive any car with the owners permission and will be covered in the form of third party.

[Old_Geezer]

As I understand it EB the issue is with Tesco rather than the garage. If your present insurers are happy to insure you in your own car then surely there should be little issue about covering a courtesy car for a couple of days ? I reckon either the Tesco rep wasn't clued up, or Tesco isn't helping every little bit.

[dzug2]

<<maybe i am missing the point but having comprehensive insurance i am covered to drive any car with the owners permission and will be covered in the form of third party. >>

You are missing the point - the issue here is that the owners will not give that permission unless you have comprehensive insurance covering their car

[mickrog]

ok........when i had a coutesy car back in April all i was asked re insurance on it by the garage was.....are you over 25?......clearly conditions vary dependant on insurer/garage

[Kayless]

Mickrog, that's a common misconception, comprehensive insurance does not automatically mean you are covered to drive any car with the owners permission. You can if it says it on the certificate if does not you can't.

In the case above, the garage should cover you for their own courtesy car, if they don't then they are a shower of sh1te and I wouldn't touch them with a bargepole. If they can't get organised with insurance then what's any work they do going to be like?

[Paul22118]

This has been my solution in the past.

http://www.dayinsure.com/

[mickrog]

says on my insurance that i can.....but totally agree with your sentiments kayless

[flip_flop]

There is absolutely nothing illegal in this: You've spoken to a keyboard jockey who doesn't know what they are talking about. I'd be inclined to try again to see if you can get hold of a different person who knows a little bit more about their subject.

[Baldric]

EVERY LITTLE HELPS!

;O))

[SpikeyBush]

I was with an insurer years and years ago who had published in their terms & conditions that they charge £25 for temporary transfer of insurance. Fair enough, their overall price was so low that I figured that even with my high mileage requiring three services a year this £75 extra was worth it.

Then one service the garage called me to say there was a part needed for the brakes that they would have to order and my car wouldn't be ready today. My insurers charged me an extra £25 to extend the temporary cover.

That was red rag to a bull.

I chose not to renew with them. they called me to ask why. I found it hard to explain why without obscenities

[wilkesneil]

they can do it but tend not to want to insure 3rd party vehicles, speak to a manager of some sort and im sure they will sort it. I had same probs with more than when they bodged the repair on my a3 and they said the courtesy car was too high performance for a courtesy car but they did it in the end after a long argumentative debate