At AXA, we want to make car insurance easy to understand so here’s some of the common questions asked about courtesy cars.

What’s a courtesy car?

A courtesy car will keep you on the road. Following a valid claim, and while your car is with one of our approved repairers, we’ll make sure you always have a means of transport to get where you need to go.

Suppose you’re in an accident, and your car needs to go into an approved garage for some time. Your insurer, or garage, can provide a temporary replacement so you can get on with your day-to-day stuff.

A courtesy car is provided as standard with our car insurance, so you’ll always be able to stay on the move with us. We even offer a courtesy car upgrade option, which can provide you with further benefits, which you can out more about below.

What’s the difference between the standard courtesy car and the upgrade option?

We provide a courtesy car to all car insurance customers, but there are a few differences between what you get as standard and the optional upgrade. Differences include the type of car you’ll receive or how long you get to keep it.

Here are some of the more common questions you might have around the differences between the standard cover and the upgraded cover:

Question AXA Standard cover AXA Courtesy car upgrade
What type of car will I be provided? We’ll provide a 3-door, 1-litre engine vehicle as standard A similar size and transmission to your own car – so if you drive a 7-seater, we’ll do our best to get you a 7-seater courtesy car
How long do I get to keep the car if mine is written off or stolen? You’ll be provided with the courtesy car for up to 14 days You’ll be provided with the courtesy car for up to 21 days
What if you or the garage can’t find me a courtesy car in time, or at all? We’ll pay your alternative travel costs up to a maximum of £15 per day We’ll pay your alternative travel costs up to a maximum of £25 per day
What if my car has been specially adapted for me or a named driver? If we can’t find a suitable car, we will pay for alternative travel costs of up to £15 per day If we can’t find a suitable car, we will pay for alternative travel costs of up to £25 per day
How long do I get to keep the car, while mine is in for repairs? For the amount of time your car is being repaired by one of our approved repairers For the amount of time your car is being repaired by one of our approved repairers

Do I have to pay for my courtesy car?

No, you won’t have to pay for it. A courtesy car is part of our standard car insurance, so you won’t have to worry about paying extra to get where you need to go.

Following a valid claim, we’ll book your car into an approved repairer. For the duration of the repair, you’ll have a courtesy car for free. The only thing you'll need to pay for is fuel.

The last thing anyone wants to find is unexpected costs. With AXA, you don’t have to worry about this.

Does claiming for a courtesy car affect my no claims discount?

Your no claims discount is not affected by claims on your policy caused by another driver – as long as your insurer can recover all costs from the other driver’s side.

However, if there isn’t another driver involved in your claim, your no claims discount will be affected.

You can check our guide to no claim discounts for more information or even the wording on your policy.

If you have to use a courtesy car, we want your experience to be as pain-free as possible. That’s why at AXA, you can always rely on the following:

  • A courtesy car is part of your insurance policy with us – standard or upgraded
  • It will be provided following a valid claim
  • It won't cost you anything extra
  • If a suitable car can't be arranged, we will cover alternative travel costs in line with your level of cover

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We know that accidents happen, and not having your car can ruin your day. With AXA Car Insurance, we'll make sure you're still on the move while your car is being repaired. Looking for car insurance?