How to Temporarily Transfer Your Car Insurance

Published on 31 March 2016

When your car has to go to the garage for maintenance or repair, it can be a headache. If you get a replacement car while yours is off the road, there’s the not-so-small matter of Car insurance to think about...

Key Questions

If you find yourself in the aforementioned situation, you may wonder:

  • Am I automatically insured to drive another car?
  • Can I temporarily transfer my Car insurance over to a replacement car?
  • If so, will I have to shell out for more insurance on top of my annual premium?

Temporary Transfer of Your Car Insurance

At Liberty Insurance, we recognise the need to keep moving when things don’t go to plan. If your policy specifies that you're insured to drive any other car, then work away. If you're not insured under your policy to drive another car, we'll temporarily transfer your insurance to another vehicle if your own vehicle is in the garage for service or repair. This vehicle must be a private motor car and not owned by your employer or hired to them under a hire-purchase or lease agreement.

When you use a courtesy car from our approved repairer network while making an agreed claim, we'll arrange a temporary transfer of your Car insurance, quickly, and easily and free of charge.

Acceptance criteria will apply before offering cover on all vehicles. In cases where the replacement car isn’t provided by one of our approved repairers, there may be a charge. All we ask is for you to call us and let us know what you plan to do. We’ll do the rest.