@Glos Guy “You are usually provided with the dealers insurance cover. They usually try to ‘upsell’ extra cover (due to the very high excess) but I always decline this. In the unlikely event of an accident I would assume that you would fall back on your Motability insurance.” You are automatically covered on your Motability insurance for any loan car. I’ve had dealers try to tell me otherwise but they’re wrong. Motability have always confirmed this to them on the phone and there’s some info on this page https://www.motability.co.uk/get-support/if-something-happens/cars-wavs/temporary-vehicles/ “Insurance – your temporary vehicle will be covered by your Scheme vehicle’s insurance, so you do not need to arrange additional cover.”
Useful info @Peter Thanks for clarifying.