Is the car a courtesy car and free for the client?

No the car is not a courtesy car and it is not free for your client.

The car is a replacement vehicle and the client is entering into a contract that gives power to your appointed collections agency to recover the costs on their behalf from the at fault insurer.  The client is liable for all charges associated with the cost of the replacement vehicle and is liable until all costs are recovered.

It is important you as the owner of the vehicle inform the client that the car is not  a ‘free’ car.

However , the client will not be charged for the costs of the replacement vehicle regardless of whether the costs are recovered or not (unless the client has been intentionally misleading about information provided relating to the claim).