Insuring Loan Cars - Alfa Romeo Forum
You are currently unregistered, register for more features.    
Adrian Flux Insurance Looking for advice on insuring your Alfa Romeo?
Click here for an online quotation

 
Thread Tools
(Post Link) post #1 of 7 Old 31-10-07 Thread Starter
Status: -
AO Silver Member
 
Drivers71's Avatar
 
Join Date: May 2005
Location: United Kingdom
County: West Midlands
Posts: 1,239
Insuring Loan Cars

My local (new to) Alfa agent tells me I'll have to pay 15 per day insurance if I have a loan 159 while my car is having an estimated 2 days of warranty work done. I told them I'd rather use the bus.
My current F/C insurance covers me for driving a car not owned by me, but only TPFT. If I'm not driving my car for these 2 days, then why doesn't my policy cover me F/C for the loan car? (previous Alfa dealers have let me have the pick of their demo cars without mentioning insurance)
I've raised this with my insurance company, but haven't heard their reply as yet.



"The best way to make a small fortune out of motor racing............is to spend a large fortune" Briggs Cunningham.
Drivers71 is offline  
Sponsored Links
Advertisement
 
Status: -
AO Member
 
Join Date: Nov 2007
Posts: 19

Member car:

car

Re: Insuring Loan Cars

It is essential to a policy that is most fit for your individual needs closely with the budget.
priji is offline  
Status: Has returned! Glad to be back.
AO Silver Member
 
JimmerUK's Avatar
 
Join Date: May 2007
Location: United Kingdom
County: Surrey
Posts: 2,998

Member car:

GTV Cup No.127

Re: Insuring Loan Cars

I've never really thought about this before, but I would have thought your dealer would have special dealer insurance, surely. If in fact such a thing exists.
JimmerUK is offline  
Status: Waiting for Stelvio QV
AO Platinum Member
 
OperationAlfa's Avatar
 
Join Date: May 2007
Location: United Kingdom
County: Essex
Posts: 23,452
Re: Insuring Loan Cars

Quote:
Originally Posted by priji View Post
It is essential to a policy that is most fit for your individual needs closely with the budget.
I can't make sense of this sentence.. maybe I'm going mad.
OperationAlfa is offline  
Status: -
AO Member
 
EcosseOz's Avatar
 
Join Date: Mar 2005
Location: Australia
County: Victoria
Posts: 893

Member car:

Nada at the mo!!

Re: Insuring Loan Cars

Dealers normally have their own insurance, which they pay a daily rate for, so they are not paying while the car is not being used. That includes both loan cars and demonstrators. 15 sounds about right for a daily charge from a dealer, but it will cost the dealer less than this.

Did you buy your car from them or another dealer??

If you brought the car from that particular dealer then I would expect them to extend you the use of a courtesy car free of charge, but they are not obliged to.
EcosseOz is offline  
Status: -
AO Member
 
Join Date: Mar 2001
Location: United Kingdom
County: Surrey
Posts: 544
Re: Insuring Loan Cars

Quote:
Originally Posted by Drivers71 View Post
My local (new to) Alfa agent tells me I'll have to pay 15 per day insurance if I have a loan 159 while my car is having an estimated 2 days of warranty work done. I told them I'd rather use the bus.
My current F/C insurance covers me for driving a car not owned by me, but only TPFT. If I'm not driving my car for these 2 days, then why doesn't my policy cover me F/C for the loan car? (previous Alfa dealers have let me have the pick of their demo cars without mentioning insurance)
I've raised this with my insurance company, but haven't heard their reply as yet.
I think this varies from garage to garage, and from insurer to insurer. I've just had my 156 in at a main dealer for some warranty work, and have had a loan car from them (nearly 4 weeks now!!). But they said I would have to cover it under my own insurance - my insurers said, yes no prob, but only up to 4 weeks. The only extra charge was a flat 10 "admin charge" which isn't bad. There were no extra charges.

Having said all that, when I have taken my current Alfa (and previous ones) to the specialist I usually use (Deens, Hampton Court), they just gave me a car to use and it cost me nothing. My experience is that specialists are usually better about this sort of thing - if they have a spare car available.

My insurers did say that most people try to claim back any extra charge from the dealer, but I can't see that being a goer. Anyway for a tenner I'm not going to bother.
vish is offline  
Status: -
AO Member
 
Alfahorn's Avatar
 
Join Date: Mar 2007
Location: United Kingdom
County: Leicestershire
Posts: 949
Re: Insuring Loan Cars

Quote:
Originally Posted by vish View Post

Having said all that, when I have taken my current Alfa (and previous ones) to the specialist I usually use (Deens, Hampton Court), they just gave me a car to use and it cost me nothing.

But what insurance cover did you have?
Alfahorn is offline  
Reply

Go Back   Alfa Romeo Forum > Vendors > Insurance Section > Adrian Flux Insurance

Tags
cars , insuring , loan

Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page



Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is Off
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

 
For the best viewing experience please update your browser to Google Chrome