considering that to insure my cars I'm paying in excess of £3k a year plus whatever the tracker costs are, I'm not going to contribute to these daft insurance costs by stitching another insurance company up for maybe £1,000 a day hire costs. Does my 430 cost me £1,000 a day to own? Does it chuff. So why should I expect another company to pay that? It's a joke which contributes highly to the ridiculous rises in insurance.
My only stipulation I have which is written in my insurance docs is that should the 430 be damaged, the repairs can only be carried by a bodyshop authorised by maranello, and and repairs are signed off by a Ferrari mechanic that will state that the car is no worse for it's accident than an untouched vehicle. To me the cost I pay on insurance to have this particular cover is enough for me.
What goes around comes around. Let's say some sod stitches up my insurance company for £60k worth of hire charges, I can just guess what's going to happen to my premium even if I don't claim.
So in short, no I wouldn't expect a like for like courtesy car. In fact I wouldn't want one at all, it's not as if I haven't got another to run about in.
It could be signed off by Enzo Ferrari himself but a damaged car is a damaged car, no matter to what standard it been repaired, the value of the car will be significantly impaired. When considering two cars, at the same price, no one would buy the previously damaged one.
You didn't pay whatever you paid, to be without your car did you?