If you are absolutely dependent on your car for making a living you should consider adding Loss of Use insurance extension cover to your existing car insurance policy. Loss of use insurance protects you against the loss you may suffer as a consequence of not being able to use your car after it has been damaged or destroyed in an accident. There are many different fields of work that will fall into this category, for example representatives, people who work in emergency services and sole proprietors.

There are different types of Loss of use insurance – the main ones are following accidental damage and following theft. We are dealing with loss of use insurance following accidental damage. If you take out this cover and your car is damaged in an accident the insurance company will pay for a rental car while your car is being repaired. There are a number of conditions applicable in this case:

• The rental car option is only available after you have filed a claim with the insurance company and after three working days from the date of the accident.
• The maximum period is 30 days.
• The rental car must be returned on the day you receive your own car back.
• Should the insurance company decide to write off your car you will need to return the rental car on the day your claim is settled.
• Administration costs in relation to the rental as well as fuel costs will be for your own expense.