Nearly half of car insurance providers do not provide a courtesy car as standard, research by Defaqto found.
The study found 49% of car insurance policies would not provide a replacement car following an accident.
A further 28% only offer a replacement car if it was selected as an optional extra when the insurance policy was purchased.
Only a quarter (23%) of policies offer a courtesy car as standard.
“When purchasing cover, consumers must ensure that they are aware of the provider’s courtesy car provision,” said Mike Powell, Defaqto spokesperson.
“Finding out that a courtesy car is not available when you need one could be very costly, especially if you have to hire a car to continue your day to day activities.”
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