Introduction
When your car suffers an accident or damage, insurers may offer CART (Car Assessment Replacement Time) or Loss of Use. Many drivers are unclear about the differences. This article focuses on CART vs Loss of Use: best choice for your car, providing clear guidance on your rights, benefits, and how to choose the most suitable option while your vehicle is at the workshop.
1. What Is CART
- CART is an offer for temporary car replacement or calculation of days your vehicle stays in the workshop by the insurer.
- Useful for cars claimed under a comprehensive policy.
- Typically includes day-counting for claims but doesn’t always guarantee a replacement car, depending on the policy and panel workshop.
2. What Is Loss of Use
- Loss of Use allows you to rent a temporary car or receive an allowance for the period your car is in the workshop.
- Ideal if you need a car for daily use, especially for families or households with multiple vehicles.
- Some policies may limit the allowance or type of replacement car.
3. CART vs Loss of Use – Comparison
| Aspect | CART | Loss of Use |
| Definition | Days vehicle in workshop / assessment | Rental allowance or replacement car |
| Eligibility | Comprehensive policy, depends on workshop | Comprehensive policy, add-on may apply |
| Benefits | Tracks CART days, clearer claim rights | Temporary car rental, avoids disruption in usage |
| Risks | No guaranteed replacement car, limited to day calculation | Allowance may be low, limited car types |
4. Tips to Choose the Right Option
- Assess your needs: If you require a car daily, Loss of Use may be more practical.
- Check policy and BJAK add-ons: Ensure CART or Loss of Use rights are clearly outlined before making a claim.
- Monitor workshop days and claims: CART helps track claim duration and your rights.
Conclusion
Choosing between CART vs Loss of Use depends on daily needs, insurance policy, and claim rights. By understanding the differences, utilizing BJAK add-ons, and tracking workshop duration, you can ensure your car is optimally protected without disrupting daily use.
Read More:
CART for 3rd Party: When You Can Claim
