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Tesla loaner only covered third party F&T
- Thread starter Alwayshopeful
- Start date
Jason71
Well-Known Member
I was aware it was bad but not the specifics
top up insurance can be bought for garage loaners at a reasonable price the same was as it can for hire cars. not sure where it would stand on the default coverage being only 3rd party though!
top up insurance can be bought for garage loaners at a reasonable price the same was as it can for hire cars. not sure where it would stand on the default coverage being only 3rd party though!
I did try Adrian Flux my current insurer along with a selection of other brokers specialising in temporary cover. Non were interested I'm afraid.
Just found this older thread as it appears to have been raised before.
teslamotorsclub.com
Just found this older thread as it appears to have been raised before.
only third party insurance on loan cars?
Took my car in for a 'while you wait 1hr' switch out of dirty headliners. Which they then broke somehow so they have to keep the car in (and will do a dent + overspray fix at the same time). They gave me a LR model 3 as a loan car but pointed out its only third party insured, and there is a...
teslamotorsclub.com
Jason71
Well-Known Member
I could find you some Insurance4carhire for exampleI did try Adrian Flux my current insurer along with a selection of other brokers specialising in temporary cover. Non were interested I'm afraid.
Just found this older thread as it appears to have been raised before.
only third party insurance on loan cars?
Took my car in for a 'while you wait 1hr' switch out of dirty headliners. Which they then broke somehow so they have to keep the car in (and will do a dent + overspray fix at the same time). They gave me a LR model 3 as a loan car but pointed out its only third party insured, and there is a...
but
"Courtesy Car When You are provided with a Courtesy Car, when Your own car is being serviced or repaired for Damage, We, will pay You the costs of repairs or Excess relating to the Courtesy Car for which You are responsible, up to £6,500 for any one Incident. The maximum number of days for each loan period must not exceed 60 continuous days."
the amount is no where near adequate if you have to cover repairs to the car not just an excess. Max duration could also be a problem given the parts shortages.
The wording has always confused me, 3rd party insurance and having an excess don’t fit together in the same sentence.
3rd party usually means if it’s your fault, you pay for all the damage on the car you’re driving. Only the 3rd party are covered.
An excess means you’re covered for the damage, but you pay the first x amount
So as I read the Tesla wording, they self insure but you pay the first £2500 or whatever the amount is. So cause £1000 of damage, you pay £1000. Cause £50k of damage you pay £2500. That, to us loaning the car, is like fully comp with a high excess, Tesla taking the risk beyond £2.5k.
If you can read it differently, I’m curious to know how.
3rd party usually means if it’s your fault, you pay for all the damage on the car you’re driving. Only the 3rd party are covered.
An excess means you’re covered for the damage, but you pay the first x amount
So as I read the Tesla wording, they self insure but you pay the first £2500 or whatever the amount is. So cause £1000 of damage, you pay £1000. Cause £50k of damage you pay £2500. That, to us loaning the car, is like fully comp with a high excess, Tesla taking the risk beyond £2.5k.
If you can read it differently, I’m curious to know how.
Jason71
Well-Known Member
If you have an accident and hit another car and its your fault. Sounds to me based on what the op said that Tesla will expect you to pay the first £2500 towards repairs on the other car and then all the costs on the Tesla. I haven't had a 3rd party policy for a very long time is it abnormal to have an excess on one? I guess the insurance company would have to pay for all the repairs to the 3rd party then Tesla would bill you rather than expect you to hand over money to the 3rd party directly
I see what you're saying, but as I recall it not being that simple I had a google and found what i presume is still the current wording
It talks about any "...damages to the Vehicle", the "Vehicle" being the loan car.
I'm having this issue right now - something must have changed with the agreement, as that's point 5 rather than 4 in mine (and it also says "deductible with a maximum of 2,500 EUR or the equivalent in your local currency" rather than stating it in GBP for some reason), but the rest of the wording of that point is basically the same (and I'd interpret it the same way as you)
My Model Y came with a pretty deep scratch on the boot, so it's going in to be fixed on Monday, and they offered me a loan car. But now that they've emailed me the agreement (which they seem to want me to sign electronically now rather than when I actually pick up the loan car), there are a few things I'm quite worried about. One is the lack of insurance/deductible thing as mentioned here, but also they've filled in the "Date / Time Out" field in the agreement as the date and time they emailed it to me, which is 3 days earlier than when I'll actually be collecting the loan car. It also has a bit with diagrams of the car to show any damage etc, with nothing marked on it, and it sounds like I'd be agreeing that that's accurate (as it also says further down in the terms "You and Tesla have inspected the Vehicle before your use", which obviously I haven't done yet). So I don't know how I can actually sign this right now? It just doesn't seem right at all.
Aside from those issues, I also want some sort of insurance to cover the "deductible" (which I didn't know would be an issue until I received the agreement). Based on the wording, I'm thinking a car hire excess insurance policy should cover it, but I'm not sure whether the fact that it has an excess/deductible means it counts as having a Collision Damage Waiver or not, so I'm not sure which exact type of insurance I would need. It also seems like those policies have to be in place before the start of the hire otherwise they're not valid, so I'm thinking the fact that they've put down that I've taken the car 3 days early would make that impossible (I actually checked with them whether I could drop the car off 1 day early, but they said the loan car wouldn't be available until Monday, so I'm even more confused as to why they've put it down as me taking it 3 days early!)
My actual car insurance is with Admiral, but nothing in the policy wording seems to suggest there's any chance of it covering a courtesy car (other than one they've instructed a company to provide me), and the only information I can find on their website is for a "Temporary Additional Vehicle", which says they can only be added "As long as the car is registered to you or an immediate family member". And they also charge an extra £25 for doing anything over the phone too.
I can’t help with the excess, but when I signed for mine I put my name then wrote “car unseen”. I guess you could also put the pick up date. On the actual collection I then walked around the car and video’d it making it clear where I was, and did the same with my car so I knew the condition dropping it off. The loaner was disgusting, every panel had problems and the interior was filthy, but nobody to speak to as they just gave me a code to a key safe. But after returning it, never heard a thing. I’m not sure they even check them.
Thanks, that is very helpful. When you did yours, was it an online/electronic signature? They've sent me the agreement via "Adobe Acrobat Sign", which doesn't seem to have any option to edit/add anything to it at all, all it has is a separate Accept button which seems to be what would count as a signature.
I sent them a message about all this in the early hours of Saturday morning, but had no reply yesterday. Today I got the notification saying I had a reply from the service team, but when I go into the app to read it, there isn't actually a reply to my last message at all - just a thing that's where a reply would be within the conversation, but within its own box, saying "You have a service appointment on..." with a View button (not sure what the point of that is - I know I've got the appointment, and wouldn't have got to that conversation screen without going through the details of the appointment itself first!)
I'm pretty sure they're almost closed for the day now, so I'm thinking I'll just have to wait until tomorrow and try to get it sorted out in person, while I'm there dropping off my car. I know you said there was nobody to speak to, and I guess maybe the service department is different, but I know there will be staff in the main bit, and they've always seemed very nice and said to let them know if I had any issues (they knew I already had an order placed when I last went there), so I guess we'll find out...
Oh that's interesting. Mine seems to be like a completely uneditable image within the page, with this Accept button at the bottom of the webpage:
Maybe I'd get another stage where it becomes editable after clicking Accept? But it says "By accepting, I agree to this agreement" which sounds like that's the end of it, so I don't want to risk it without knowing what would happen lol
Maybe I'd get another stage where it becomes editable after clicking Accept? But it says "By accepting, I agree to this agreement" which sounds like that's the end of it, so I don't want to risk it without knowing what would happen lol
I don’t remember that bit so couldn’t say it will.
Hard to know what to suggest, I very much doubt anything will come of it.
One thing I did do when I video’d the car on collection was say the time and date when I was picking it up. Be worth doing the same when you drop it off. It’s not perfect but it’s a stake in the ground if it all went horribly wrong
Hard to know what to suggest, I very much doubt anything will come of it.
One thing I did do when I video’d the car on collection was say the time and date when I was picking it up. Be worth doing the same when you drop it off. It’s not perfect but it’s a stake in the ground if it all went horribly wrong
kelvin 660
White SR+ with LFP battery
I find this insurance cover disappointing. Experience with other marquees (Lexus and MB) is that you can pay extra (£10-£15) to remove £1000 - £1500 excess when your car is being serviced, but if warranty work is being conducted then the dealership/manufacturer picks up the additional payment so the owner isn't out of pocket.
I know someone who didn't pay to have the excess removed and 5 minutes into a journey a stone cracked the windscreen and he was down £700. That can easily happen to anyone - it isn't worth the risk IMO.
I know someone who didn't pay to have the excess removed and 5 minutes into a journey a stone cracked the windscreen and he was down £700. That can easily happen to anyone - it isn't worth the risk IMO.
Mine's sorted now 
I didn't sign the agreement over the weekend, got no reply to my message on the app, so went to drop off my car this morning feeling a bit worried not knowing what was going to happen... and the showroom was deserted at first, but eventually a member of staff came out (who remembered me from a test drive a few months ago) so he started looking up my records etc to read the message I'd sent, but as he was doing that I got a phone call from someone in the service department there anyway (as he'd realised no one had replied to my message), and when I said I was actually there he came straight out to chat to me in person.
He explained that the date/time gets put in automatically when they generate the agreement, so I bought the excess insurance policy online from my phone at that point (insurance4carhire, £12.79 for 4 days cover, I'd already managed to speak to them to check that it would cover this situation) and then he regenerated the agreement so that it showed the current date/time, and I accepted it. He did have to come back and help me another 2 times though, when the key locker wouldn't work (needed rebooting) and then the PIN to drive he'd given me didn't work either (seemingly because of the regeneration of the agreement), but all sorted in the end lol.
From what he said, they are very easy going about the condition of the car etc so he said I didn't need to take photos etc (even though the Tesla app actually said to at that point) but could if I wanted to. And the car actually was in good, clean condition, inside and out, and had the type 2 cable (and even the Tesla granny charger bag) in the boot.
So I'm happy with that, feel like I'm covered well enough now, and it ended up being a pretty good experience at the SC (Crawley/Gatwick) in the end.
I didn't sign the agreement over the weekend, got no reply to my message on the app, so went to drop off my car this morning feeling a bit worried not knowing what was going to happen... and the showroom was deserted at first, but eventually a member of staff came out (who remembered me from a test drive a few months ago) so he started looking up my records etc to read the message I'd sent, but as he was doing that I got a phone call from someone in the service department there anyway (as he'd realised no one had replied to my message), and when I said I was actually there he came straight out to chat to me in person.He explained that the date/time gets put in automatically when they generate the agreement, so I bought the excess insurance policy online from my phone at that point (insurance4carhire, £12.79 for 4 days cover, I'd already managed to speak to them to check that it would cover this situation) and then he regenerated the agreement so that it showed the current date/time, and I accepted it. He did have to come back and help me another 2 times though, when the key locker wouldn't work (needed rebooting) and then the PIN to drive he'd given me didn't work either (seemingly because of the regeneration of the agreement), but all sorted in the end lol.
From what he said, they are very easy going about the condition of the car etc so he said I didn't need to take photos etc (even though the Tesla app actually said to at that point) but could if I wanted to. And the car actually was in good, clean condition, inside and out, and had the type 2 cable (and even the Tesla granny charger bag) in the boot.
So I'm happy with that, feel like I'm covered well enough now, and it ended up being a pretty good experience at the SC (Crawley/Gatwick) in the end.
Just tried getting a quote from insurance4carhire and they told me that they will only provide cover for rentals from a car hire company.Mine's sorted now
He explained that the date/time gets put in automatically when they generate the agreement, so I bought the excess insurance policy online from my phone at that point (insurance4carhire, £12.79 for 4 days cover, I'd already managed to speak to them to check that it would cover this situation) and then he regenerated the agreement so that it showed the current date/time, and I accepted it. He did have to come back and help me another 2 times though, when the key locker wouldn't work (needed rebooting) and then the PIN to drive he'd given me didn't work either (seemingly because of the regeneration of the agreement), but all sorted in the end lol.
From what he said, they are very easy going about the condition of the car etc so he said I didn't need to take photos etc (even though the Tesla app actually said to at that point) but could if I wanted to. And the car actually was in good, clean condition, inside and out, and had the type 2 cable (and even the Tesla granny charger bag) in the boot.
So I'm happy with that, feel like I'm covered well enough now, and it ended up being a pretty good experience at the SC (Crawley/Gatwick) in the end.
Just tried getting a quote from insurance4carhire and they told me that they will only provide cover for rentals from a car hire company.
That's strange, where/how did you try to get the quote? And are you in the UK?
I got mine from Car Hire Excess Insurance | Swinton (Swinton seem to be the UK "partner" or something like that of insurance4carhire), and during the quote process there it actually says that they cover courtesy cars. In fact, I have some screenshots that I took while purchasing it yesterday:
To try to explain more fully the whole process I went through, in case it helps:
I initially found this website, and tried the "Get a Quote" button there, which seems like a mini comparison service. On the results page of that, if you click the Filter button at the top, it has a tickbox to only show policies which include "Garage loan/Courtesy cars". That narrowed it down to basically 2 companies - the first one (I can't remember the name) was cheaper, and covered up to a larger amount, but only covered cars with a value of up to £50,000 (I wasn't sure, but I thought the Tesla courtesy car was likely to be over that), so I ruled that one out. The other one was insurance4carhire, which was a bit more expensive, but I went and got a quote from them directly (from the Swinton page above) and it actually came out cheaper.
I also rang them (insurance4carhire) beforehand to make sure (as I was a bit confused by some of the policy wording, as it is mainly aimed at people paying to hire a car). There is apparently a live chat available but no phone support (other than for actual claims), but I didn't have time for that (I think they were shut at the weekend and the only time I had on Monday morning after they opened was while driving to the Tesla SC, so it had to be over the phone). So I rang Swinton's customer service number and they had no idea about it, but they did give me the number for the claims department of insurance4carhire and said they should be able to answer my questions as they would obviously be familiar with the policy terms etc.
Rang that number, had to press 1 to say it was about a new or existing claim (as otherwise it just says "this phone line has now been closed" and hangs up). It seemed to go through to some part of AIG (which I guess is the "parent" company or whatever of insurance4carhire), and that all sounded US-based (although it was a normal UK phone number). I explained the whole situation to the person who answered, and thankfully they were willing and able to answer my questions. They basically said that it will cover a courtesy car from a garage while mine is being repaired, even though I'm not paying anything for the hire of the car etc, and that what I needed (to deal with the thing of the start of the hire/agreement needing to be after this insurance policy is taken out) is some sort of documentation from the company (Tesla in this case) stating the date and time that the hire started.
So I explained that to the service guy at the SC when he came out to talk to me, and that's when he said that the date and time gets added automatically when they generate the agreement, but that he could generate a new one for me to sign (as I hadn't done so yet), which dealt with that issue (although he actually had to do it twice, as the clock on that system seemed to be a bit fast and it actually came out as a couple of minutes too early when he first did it after I bought the insurance policy)
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