What happens if your courtesy car gets damaged in Australia depends on whether it is a repairer loan car or insurer-provided hire car, but you will likely be liable for excess. If your repairer-provided courtesy car, which is a free loan car from the smash repairer while your car is being repaired, gets damaged while in your care, you must immediately notify the repairer and provide details of what happened, photos, licence and other party details if involved. The repairer's insurance will cover damage to other cars and property, but you will be liable for the excess stated in the loan agreement, typically $1,500 to $3,000 for at-fault damage, which you must pay out of pocket. If the damage was not your fault and you can identify the other driver, the other driver's insurance will pay and you may not pay excess. If your insurer-provided hire car from Hertz, Avis or Budget gets damaged, the rental agreement includes insurance with a high excess of $2,000 to $4,500, which you must pay if at fault. If you purchased excess reduction for $20 to $35 per day, your excess reduces to $300 to $500. Your own comprehensive insurance on your own car does not cover damage to the courtesy car unless you have specific extension. You are also responsible for damage to tyres, windscreen and interior, which may not be covered by standard insurance. You must complete an incident report, not admit liability, and return the damaged courtesy car to the repairer or rental company. If you fail to report damage, you may be charged additional fees and lose your bond.
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