Posting this as an aside here rather than start a new thread as it's peripheral to the car I was loaned on Tuesday.
Options with Perrys courtesy cars are to take their insurance at a nominal £10 or arrange cover under your own policy. Mrs B and I are both fully comp with LV and named on each other's policies. Both certificates specify the insured vehicle to be (a) my/her car i/d by reg and (b) a courtesy vehicle provided by the motor trade while that vehicle is being serviced or repaired. Presumably this is done to save faffing with cover notes, specifying vehicles and registrations and further complications if the anticipated courtesy car has to be subbed.
On two occasions I've had issues because the guys on the service desk goes straight to the third party only driving other cars note on certificate and tells me it's not good enough, 3rd party only. In fact it wouldn't even provide that as it's Mrs B's insurance not mine. With varying degrees of patience (I was told off for raising my voice this time) I inform them I'm not relying on that but the wording re insured vehicle. They still won't take it at face value until we've rung LV and got it from the horses mouth. That's been OK both times but if we drew somebody at LV who was hot on Data Protection they could refuse to deal with me.
How do others deal with insuring loan cars?
|