01
Ask what your existing policy provides
Your annual policy might include a courtesy car in certain circumstances, but that does not automatically cover a privately borrowed car. Ask your insurer before moving cover or making assumptions about DOC.
02
Estimate the period realistically
Garage timescales change when parts are delayed or another fault appears. Check whether temporary cover can be extended. Never continue driving after the finish time shown on the certificate.
03
Commuting may need to be included
If you will use the borrowed car for work, school runs or regular commuting, make sure the permitted use matches. Carrying tools or visiting several work sites can be treated differently from driving to one normal workplace.
04
Return it properly
Refuel the car as agreed and mention any warning lights, damage or mechanical changes. Remove your belongings and parking accounts from the infotainment system. Once the loan ends, keep the policy documents with your records.