How do you know if you have a courtesy car on your insurance in Australia is by checking your comprehensive car insurance Product Disclosure Statement and your policy schedule. Most comprehensive policies include some form of hire car or courtesy car benefit, but the extent varies. Look in your PDS under sections titled Hire car after theft, Hire car after not-at-fault accident, or Optional hire car cover. If your policy says hire car after theft for up to 14 to 21 days, you have courtesy car cover for theft. If it says hire car after not-at-fault accident where you can identify the other driver, you have cover when someone else hits you, usually for duration of repair up to 21 days. Some insurers like NRMA, Allianz, AAMI, Budget Direct and Youi include this as standard. If you are at fault, you only have courtesy car cover if you purchased optional hire car cover for $50 to $100 extra per year, which provides $50 to $100 per day for up to 14 days after an at-fault accident. You can check your policy schedule which lists optional extras, or log into your insurer's online portal or app and view benefits. If you bought your insurance through a comparison site, check the benefits table. If you are unsure, call your insurer's claims line and ask whether you have hire car cover for at-fault and not-at-fault scenarios, and what daily limit and total days apply. Also check whether your roadside assistance premium cover includes hire car after breakdown, which is separate from accident hire car.
1 votes
Marked as accepted