Its a bloody outrage! Its not your fault! I had a meeting with our insurance broker yesterday at work dont know how it came into the conversation but he said the dealers are not legally allowed to charge you for 'insurance' as they in effect become an 'insurance broker' and to do that need to be licensed by the FSA.
No way should customers be charged for a loan car when your's is in for warranty work.
What i love doing at my local stealers is when i drop the loan car back which is always FOC i joke that i haven't got a drivers licence! You should see their face
i can't remember the last time they asked to see mine.