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Enhanced Courtesy Car Cover

Keeping you on the road

Optional Extra

Could you manage without your car if it was written off or stolen?

Our Car Insurance will provide you with a courtesy car as standard whilst your car is being repaired by a Co-op approved repairer following an insured incident, but this won’t cover you if your car’s been written off, or stolen and not recovered.

What you get with Enhanced Courtesy Car cover:

  • a saloon or hatchback car with an engine size similar to your own up to a maximum of 1,800cc (van drivers can get a van up to a maximum of 3.5tonne GVW)
  • cover for up to 14 consecutive days if your car has been written off or stolen and not recovered
  • you and up to 2 named drivers on your policy can drive the vehicle, provided you all hold full licences
  • a car that is insured by a hire car company and is subject to the same policy excess as your Co-op Insurance policy. There is no cover for personal possessions under the hire car company's policy
  • the possibility to extend the period beyond the 14 days. Whilst you will be responsible for paying the hire charges for the period in excess of 14 days, preferential rates are available to Co-op Insurance customers. (Minimum extension period is 7 days).

Please be aware:

  • if your vehicle is a 4x4, MPV, Electric or a motor caravan, the enhanced courtesy car provided will be a saloon or hatchback motor car with a petrol or diesel engine of similar engine size to your own vehicle up to a maximum of 1,800cc
  • the enhanced courtesy car will not be provided in the event of your vehicle still being roadworthy following a road traffic accident
  • if your vehicle has been adapted to accommodate a disabled driver or passenger, we cannot guarantee being able to provide a suitable replacement.

Please note: If you cancel this cover within 14 days of receipt of your policy documents, you will be entitled to a refund of any premium paid, less a charge for the number of days cover has been provided. If you cancel this cover after this time a return of premium will be provided, less a charge for the number of days cover provided and an administration fee of £15.

Buying Enhanced Courtesy Car cover

When you get your online car insurance quote, just select ‘add’ next to ‘Enhanced Courtesy Car’ and then click on the recalculate button to see the updated price.

In the event of a claim, our Co-op Insurance claims team will advise the hire car company, who administer the provision of courtesy cars on our behalf. The hire car company will then contact you to arrange a convenient time and location for delivery of your courtesy car.

As you may expect, our features are subject to limitations and/or exclusions, so please speak to our call centre or view our policy documents online for further details.

Co‑op Car Insurance is normally available to customers aged 17 to 75 years only.

Calls may be monitored or recorded for security and training purposes. First notification of a claim outside of normal working hours will be answered in Eire.

Applicants for insurance are subject to normal underwriting criteria.