Courtesy car excess

[smitrax]

Apologies for being too lazy to read the T&Cs.

When my car goes in for some work or a service I’m given a courtesy car that has a £500 excess for any damage I might do. There is no cost for this courtesy car so my Amex Plat card isn’t used but do I still get the benefit of the excess cover?

Thanks

[Rob]

Not paying anything is not an issue because you don’t need to use Plat for the car rental insurance anyway.

The question is whether this is a ‘car rental’ in the sense of the world than Amex means. After all, if you borrow my car for two weeks is that a ‘car rental’?

[can2]

Would the same debate on ZipCar be relevant? I remember it was discussed here long

[Lady London]

Got a vague feeling your own car insurance may cover substitute cars during insured car repair but poss 3rd party only.

£500 excess says to me that’s on a policy held by the garage.

Given likely impact of even a £500 claim on anyone’s insurance, on future premiums though, I suspect no one’s going to make any claim anywhere.