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Why choose a loaner electric vehicle?
Made available by a garage, insurer or dealer, a loaner electric vehicle allows you to replace your car (business or personal) and quickly benefit from an electric car.
There are many advantages to loaning electric vehicles:
- maintain mobility for people who need to get around,
- avoid wasting time using a taxi company or hire service,
- To save money, they are available free of charge or at reduced rates.
In ecological terms, it reduces CO2 emissions and helps to protect the environment. It's also an excellent opportunity to experiment with electric mobility at lower cost.
Also read → How do you negotiate car insurance for your electric car?
What are the conditions for taking advantage of a loan electric vehicle?
For professionals, putting in place conditions for granting a loan of an electric vehicle enables them to guarantee the safety of their customers. They are liable if the electric car is damaged during the loan period. Insurance is therefore compulsory, and the driver must be fully fit to drive the vehicle.
Replacement or courtesy electric car?
The difference between a replacement electric vehicle and a courtesy electric vehicle is that the former is free of charge and provided by the car insurance company, whereas the latter has to be paid for and is provided by an insurance company. electric car brand or a garage.
| Véhicule de courtoisie | Véhicule de remplacement | |
|---|---|---|
|
Prices
|
Free
|
Fully or partially covered if included in the insurance contract
|
|
Duration
|
Subject to vehicle availability
|
Depending on the terms of the contract
|
|
Automatic allocation
|
No
|
Yes, if you take out the loan vehicle option
|
|
Guarantees
|
Single third-party insurance
|
Immobilised vehicle cover transferred to the replacement vehicle
|
|
Type of car
|
The garage owner's choice
|
New car in the same category as the immobilised car
|
What are the criteria for obtaining my loan vehicle?
Of course, the precise conditions depend on each company's internal policy, but in general they are as follows:
- You must be at least 21 years old,
- Not have committed any major traffic offences in the past,
- The loan period may not exceed 30 days,
- An insurance excess of between €500 and €1,000 may apply,
- Depending on the contract, a kilometre limit may be imposed (from 50 to 100 km/day).
How do I get my loaner electric vehicle?
Getting an electric vehicle on loan may seem complicated, but the process is usually quick and easy. We explain everything to make the process as easy as possible.
Contact the professional
The professional will ask you for your contact details, the make of your current vehicle, the reason for the request and the length of time you wish to make the vehicle available. This first step usually only takes a few minutes, and you will then be informed of the terms and conditions.
Provide the necessary documents
Once you have checked that you are eligible for the loan, you will need to provide :
- your driving licence,
- proof of insurance,
- a police report in the event of an accident.
You may also be asked for documents to support your eligibility. Once you have read all the conditions, complete the online application form.
Collecting the loan vehicle
Once the request has been validated and all the conditions have been accepted, the professional will confirm the reservation of the loan vehicle by e-mail or telephone. An appointment will then be made to collect the vehicle. Remember to check the condition of the vehicle on departure and report any problems, to avoid any disputes at the time of return.
Returning the loaner electric vehicle
Make sure that the vehicle is in the same condition as when you picked it up. An inspector will check the condition of the vehicle in around ten minutes and finalise the loan. If there is any damage, report it to your car insurance company or garage as soon as possible. Any additional costs will have to be paid at the time.
In conclusion: what's good to know?
What is the maximum term of a loan?
The maximum length of time a professional will allow for an electric vehicle loan depends on the type of claim:
- 7 days for a breakdown
- 14 days for an accident
- 40 days for a flight
Is my insurer, garage owner or dealer obliged to give me a loan vehicle?
No, it is not obliged to grant you a loan vehicle. This is an optional service.
Can someone else drive my courtesy electric vehicle during my loan period?
It is the holder of the car insurance policy, i.e. the main driver, who must drive the courtesy electric vehicle.
Can I drive my loaner electric vehicle on any type of road or terrain?
There are no restrictions. However, it is important to take into account the capacity of the vehicle loaned. A Electric SUV as theAudi Q4 e-tron is capable of riding on difficult terrain (dirt tracks, mountain roads). However, this is not the case for a electric city car such as a Peugeot e-208 which is suited to urban areas.
Can I drive abroad during my loan period?
It is advisable to inform your car insurance company or garage if you plan to travel abroad during your loan period. Contract conditions on this point may differ from one company to another, and roadside assistance is not the same in the event of a breakdown or the need to recharge.
Is it possible to test different makes of electric vehicles as loan vehicles?
This will depend on the supplier's policy: dealers tend to lend out electric cars of their own make. Garages and insurers, on the other hand, have a much wider catalogue.
Are loan vehicles equipped with special features for people with reduced mobility?
Some loan vehicles are not suitable for people with reduced mobility. However, on request, the professional can provide you free of charge with an adapted vehicle equipped with special features (access ramps, adapted seats, assisted controls).
Can I request additional accessories for the loan vehicle?
Yes, it is quite possible to request them. These accessories can be of various kinds (bike racks, baby or car seats, GPS, snow chains, travel bags, phone chargers, etc.). Some accessories may be subject to a supplement, so we recommend that you find out all the details in advance to make sure you get them.
What happens in the event of a breakdown or accident with the loan vehicle?
In the event of a breakdown or accident, report the incident immediately to the company, providing as much detail as possible about the situation. If possible, document the incident with photos and written records. Finally, check the terms and conditions of any rental contract relating to accidents or breakdowns to find out what your responsibilities are.
