This seems to vary between dealers, with the wording of the service promise allowing some 'wriggle room'.
I have never been charged for a loan car as such by the dealer I use. There was a period a few years ago when they charged £10 for them to insure the car (it was cheaper than me using my insurance at the time). I have not been charged at all for the past few years.
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XC60 B5 Diesel MY2021
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