@Glos guy. If you’re covered by your Motability insurance, why would you have superior insurance (no excess) on a curtesy car not own by Motability than the car owned by Motability? I.e. your scheme car doesn’t have fully inclusive excess free insurance.
I’m afraid that I don’t understand your question but, just to clarify, I have never paid for any insurance on a courtesy car.
If you have an accident in a curtesy car, your covered by Motability’s insurer. The excess would still have to paid just as it would if you had an accident in a Motability car.
Yes, that’s my understanding too.