I thought I'd just share this information as it caught me by surprise this morning. Tesla came over to swap my car for a loan vehicle whilst my car gets a warranty fix. Whilst I was about to sign some forms, I asked what the insurance excess was for the loan car and was told it was 3rd party fire and theft only. Given that the car they loaned me was a brand new S100D (only 500 miles on the clock) I'd be looking at approx £95k bill if I had a bad accident. I refused to take the vehicle with those terms, but he recommended trying my insurance company to temporarily swap the car out. Long story short is that Direct Line added the car as a courtesy car and did so at no additional cost (happily surprised by that), so the loan replacement took place as planned. I'm not sure if this is unique to the UK loan vehicle system, but one I thought I'd share as nobody wants to get caught out with that financial nightmare - but there is a work-around.