Section J - Replacement Car Option

This section only applies if you have agreed to pay any additional premium and the schedule states that this section is in force.

For the purposes of this section the following definitions apply (and where applicable replace any definitions shown elsewhere in this policy document):

Courtesy car

The optional temporary car we will provide you with in the event of a claim as described in the schedule.

Courtesy car company

The company we instruct to provide you with a temporary courtesy car.

If your car is damaged and immobile or stolen and not recovered in England, Wales or Scotland and if the event is covered by your policy under Section A (Accidental Damage to Your Car) or Section B (Fire and Theft) then at our option, we will either:

• arrange for you to be collected and taken from your home address, or any other address within ten miles, and returned there after the period of hire, to the nearest courtesy car company location to take delivery of a courtesy car ; or
• deliver to and collect from your home address, or any other address within ten miles, a courtesy car; or
• if your car is driveable at our option we may instruct you to collect your courtesy car from one of our recommended suppliers as described in your schedule.

We will pay:

• following loss or damage to your car, we will pay for the supply of a courtesy car during the period your car is not roadworthy or while your car is with a motor repairer. In the event that we regard the car as a write-off or the car is not recovered, the most we will pay is limited up to the time an offer is made in settlement of the claim;
• if we cannot arrange a courtesy car, we will repay your alternative travelling costs up to a maximum of £15 per day;
• if your car has been specially adapted for a named driver with disabilities and we cannot arrange a suitable car, we will repay your alternative travelling costs up to a maximum of £15 per day.

The most we will pay:

• for a courtesy car or for alternative travelling costs is 14 consecutive days and 21 days in any period of insurance.
• if your car is insured for Third Party Fire & Theft cover only there is no cover to your insured car under Section A (Accidental Damage to Your Car). We will only provide a courtesy car if you make a claim under Section B (Fire and Theft) of this policy.

This section only provides a courtesy car. The courtesy car provided by us will be insured under your policy under sections A to H and K but only if your schedule shows that these sections apply to your policy. Policy terms and conditions will normally apply to the use of your courtesy car as if it was your own car. However:

• if your car is insured for Third Party Fire & Theft cover only:
  
  • you will also be insured under Section A (Accidental Damage to Your Car) whilst using the courtesy car;
  • we may amend your excess; refer to your schedule for details.
• The courtesy car may only be used in England, Wales or Scotland.

Any claims occurring on the courtesy car will be made on your policy and may affect your No Claims Discount.

In addition to the above, the terms and conditions of the courtesy car company are incorporated into and will apply as part of this section of this policy. You will receive a copy of these terms and conditions when a courtesy car is supplied to you , in particular you will be required to show a driving licence for each named driver of the courtesy car to the courtesy car company and you may be required to pay a deposit (refundable on return of the car undamaged and without any unpaid charges or fines against the car e.g. for parking or driving in a congestion zone). However if there is any conflict between the terms and conditions provided by the courtesy car company and those applicable to this policy, those applicable to this policy will prevail.

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