Many insurers provide you with a temporary vehicle when yours is damaged in an accident so you can still get around while it undergoes repairs. But can you get a courtesy car if yours is written off or stolen?
Our Comprehensive policies include a replacement car as standard if an approved repairer is repairing your car following an accident in the UK.
For an additional cost you can add Replacement Car Extension to your policy. With this cover we can also offer you a courtesy car if yours is stolen or written off – keeping you mobile and giving you time to find and purchase a new vehicle.
Adding Replacement Car Extension to your Saga car insurance gives you:
Having access to a courtesy car if your vehicle is written off could give you peace of mind if you would struggle to cope without it.
If you rely on your car for your commute to work, the school run, or you live in a remote location with little access to public transport, Replacement Car Extension could be worthwhile. You should consider how often you use your vehicle, any realistic transport alternatives, and whether a rental car might be cheaper.
If your car has been stolen, here is what you can do in three simple steps.
Dial 101 – the phone number for non-emergency crimes – and report that your car has been stolen to your local police station. You should share details of your car’s colour, make and model, plus the registration number.
You can then contact your car insurance provider in order to start your claim. If you’re a Saga customer, call 08000015424 – our friendly team will manage your claim and get the ball rolling on your replacement vehicle.
If you receive an insurance payout after your car has been stolen, you’re obliged to inform the DVLA that you no longer own your vehicle.
Read more on GOV.UK on what you can do if your car is stolen.
Saga Replacement Car Extension is provided by Acromas Insurance Company Limited, which meets our high standards of quality and service.
If your car has been ‘written off’ or ‘totaled’ following an accident, the cost to repair it or the cost of providing a courtesy car is greater than the car’s value.
If your car is written off, the ownership will transfer to your insurer, so you will need to update the DVLA that your vehicle has been written off and scrapped. Learn more about what happens if your car is written off.
If your car is written off following an accident that wasn’t your fault, you should still contact your insurer first. They may be able to make this claim for you through the insurer of the third party who caused the accident. Any excess on your car insurance policy could also be recovered.
In some cases, the driver who was at fault may not be traceable, even though leaving the scene of a road collision can result in fines, penalty points on a licence or imprisonment. In these situations, you can make a claim through your insurer and provide information such as your police crime reference number, photographs of the accident, and any eyewitness names and contact details.
If you have an accident in your courtesy car, provided under the replacement car extension add-on, you would be covered by Saga car insurance on the same cover level as your main vehicle.
As with any collision, you should make sure everyone around you is safe, and if so, you can then exchange insurance details with those involved, take pictures of the damage, and get the names and addresses of any witnesses.
There's plenty to explore and learn about our car insurance cover.
Has your car been damaged in an accident? Find out when your car might be written off and what to do if it is.
Flexible policies for over 50s, for breakdown cover you can rely on.
When you’re choosing a new car fuel type is important, but is it better to buy petrol or diesel?
Legal expenses cover can protect you against unnecessary legal fees.
Check you’re insured while driving as a volunteer.
UK road accidents can’t always be avoided – here’s what to do if you get caught up in one.
Make sure the help comes whenever you need it – with our essential guide to getting fast car breakdown assistance on the roadside and at your home.
Find out how to keep on driving for longer once you reach 70, with all the latest driving and insurance advice.
Make car insurance renewal less of a headache with Saga Plus 3-year fixed price policies and claims promise.
Fancy becoming your very own car salesperson? Read our tip tips for how to sell a car privately.
Discover the tax benefits that come with buying and driving electric cars.
Find out which medical conditions have to be declared for car insurance and to the DVLA.
When you want to enjoy the freedom of the open road, we’ve got you covered, with comprehensive insurance tailored to you.