A study by Defaqto has revealed that almost half of all car insurance policies on the market do not offer a courtesy car.

This means that consumers who find themselves without their car because of a problem with their vehicle will not be given a replacement car with 49 per cent of the insurance policies currently available.

Furthermore, 28 per cent of policies that do offer a courtesy car only do so as an additional cost option at the time when the policy is first taken out.

This goes against the priorities flagged by those surveyed particularly those in the 33 to 44 year old age group and those with children in general who desire the inclusion of a courtesy car.