The charge for loan cars is down to the dealer to decide
There is no "must pay" there is no charge for insurance...
When they ask you weather you have your own insurance (wich you need to prove your cover is fully comp not 3rd party) then there is no charge
It is free of charge to have the customer put on the dealers insurance....BUT if you read the small print you'll see that when you agree by the dealers insurance there will be a excess to pay if anything happens wich the cost varies from dealer to dealer
We don't charge for them,just ask for the fuel to be re filled as courtesy for using our cars free of charge
Hole this helps