Car collection and return by dealer

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I’ve just bought a new car from a main Ford dealer. They offer to collect and return my car free of charge, when it needs a repair under warranty, service etc.

My own comprehensive insurance covers only myself and my wife as a named driver. Is there an industry norm on who takes the risk of accidental damage in such a situation – me or the garage? Haven’t thought about this before so what should I be checking?

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