Am I insured to drive a courtesy car?

Am I insured to drive a courtesy car in Australia depends on what type of courtesy car it is and your own insurance. For a repairer-provided courtesy car, which is a free loan car from the smash repairer while your car is repaired, the repairer has comprehensive and third party insurance on that courtesy car as part of their business insurance, so you are insured to drive it under their policy, but you are responsible for the excess if you crash, typically $1,500 to $3,000, and you must obey the loan agreement, be over 21 or 25, have a valid licence and not drive under influence. For an insurer-provided hire car, which is a rental car from Hertz, Avis or Budget arranged by your comprehensive insurer after a not-at-fault accident or theft, the rental agreement includes basic insurance with a high excess of $2,000 to $4,500, so you are insured but liable for excess if you damage it. Your own comprehensive car insurance on your own car does not automatically cover you to drive a courtesy or hire car comprehensively, unless your policy has an extension for driving other cars. Some Australian comprehensive policies from NRMA, Allianz, QBE and Youi include up to $5,000 to $10,000 third party property cover when you drive an uninsured third party car, but this does not cover damage to the courtesy car itself. To be fully protected, you can buy excess reduction from the rental company for $20 to $35 per day or buy standalone hire car excess insurance for $10 to $15 per day. Always check insurance before driving.