Credit Hire Service
Get in touch with our experienced team for seamless support. We help you assess non-fault accident damage, manage your claim, and handle all settlements to ensure you receive the compensation you deserve. Let us get your vehicle back on the road quickly and efficiently.
What is Credit Hire?
Credit hire services are offered to drivers involved in non-fault accidents by accident management and credit hire companies across the UK. These services allow consumers to claim a replacement vehicle under their insurance policy while their own car is being repaired. Accident management companies provide like-for-like vehicles tailored to customer requirements, with no upfront payments or excess charges.
At the end of the hire period, the cost of the vehicle hire and repairs is recovered from the at-fault driver’s insurer, provided they admit liability and agree to cover the agreed expenses. Accident management companies do not cover these costs themselves, and while the consumer benefits from the service, there is no guarantee that third-party insurance will cover every expense.
In cases where liability is disputed—for example, if the insurer believes the policyholder was not responsible for the accident—the third party may refuse to pay. Common reasons for disputing liability include the policyholder being out of the country, the vehicle having been sold prior to the accident, or mistaken identity. In such situations, your own insurance company may cover the costs.
24/7 Claims Assistance
Standard Vehicles
No Cost to you
Comparable car in 24 hours
Benefits of Using a Credit Hire Company
Many people assume that insurance companies are the first point of contact after an accident. However, it’s important to understand that insurance companies mainly sell policies and handle claims made against their own customers. They do not handle non-fault claims against other insurers. Knowing this helps you better understand how the industry works and make informed decisions after an accident.
- Protected claims bonus
- No excess to insurance
- Like to like replacement vehicle
- Avoid your insurance premium
- Professional support and guidance
- 24/7 customer support
- Regular updates as the claim progresses
Role of an Accident Management Company
An accident management company arranges replacement vehicles and manages every aspect of your claim after an accident. Their services include liaising with insurance companies, coordinating with repair garages, and providing legal support and guidance.
Why not choose your insurance to process a Claim
- Increase in Insurance Premium
- Effect on no-claims bonus
- Insurance Excess fee
- Limited Replacement vehicles if mentioned in the policy
Total loss vehicle
If the vehicle is involved in an accident and is declared a total loss, we will instruct the engineers to value it and agree on a cost to settle the claim. The vehicle’s market value will be considered for a total loss vehicle. The at-fault driver’s insurance company will pay you according to the vehicle’s market value.
Problems while dealing with Credit Hire Claims
Credit hire and repair claims can sometimes be complex and challenging to manage. Factors such as changes in consumer legislation, technical disputes, or loss mitigation may require the expertise of a solicitor specialising in the relevant field. Insurance companies may also raise legal issues regarding credit hire agreements to reduce costs or shorten the hire period.
We understand how important it is for our customers to have access to a replacement vehicle within 24 hours of an accident. Having a hire vehicle ensures you can continue your daily activities and work without disruption or inconvenience.
Why Accident Claims Assist for a Courtesy Car?
Accident Claims Assist is London’s leading accident claim management and credit hire company. We provide comprehensive claims management solutions and also offer credit hire services for other companies and fleet operators dealing with non-fault incidents. You won’t pay a penny all costs are covered by the at-fault party’s insurer.
Why Choose Accident Claims Assist
Accident Claims Assist is a leading UK accident management company specialising in credit hire and repair claims. With extensive technical knowledge and legal expertise, our experienced team of claims handlers and solicitors, each with over 10 years of experience in road traffic accident claims, ensures your claim is handled efficiently and settled successfully.
We provide credit hire services at no cost to you, recovering all expenses directly from the at-fault party’s insurer.
Our services include:
Credit hire vehicle available within 24 hours
No impact on your claims bonus
No costs to you
No insurance excess
Professionally managed claims process
Fully regulated services
No hidden fees or charges
24/7 roadside assistance
Quick and efficient response
- What happens if the insurer refuses to pay?
If the at-fault driver’s insurer refuses to cover vehicle hire and repair costs, we involve a solicitor who specializes in this area. The claim will be passed to the solicitor, who will act on your behalf and liaise directly with the at-fault driver’s insurance company to recover the compensation.
- Why You Shouldn’t Contact Your Insurer First!
After an accident, going directly through your insurance company may limit the services you receive, as they only cover what is specified in your policy. Reporting the accident to your insurer or making a claim through them could lead to an increase in your premium and may affect your no-claims bonus, even if the accident wasn’t your fault.
Repairs carried out through your insurer are not always guaranteed to be of high quality and may include recycled or non-manufacturer parts. While insurers may attempt to recover costs from the at-fault party’s insurer, it is not guaranteed. If your insurer pays on your behalf, your claims bonus could be impacted.
This is why contacting a professional accident management company is essential. They handle your claim legally and efficiently, recover all costs directly from the at-fault party, and ensure you don’t pay anything out of pocket.
- Untouched No-Claim Bonus
Unlike claiming through your insurer, using an accident claims management company allows you to protect your no-claims bonus.
Vehicle Fleet
Courtesy Cars vs Credit Hire
There are key differences between a courtesy vehicle and a hire vehicle. A courtesy vehicle is typically a standard car provided by a garage for a short period while your own vehicle is being repaired.
Some points to consider include:
If you drive a prestige car, you may only receive a basic vehicle.
The use of a courtesy vehicle is often limited to a short period.
Courtesy cars are usually provided only for repairs approved by your insurance.
Benefits of Credit Hire
We handle claims directly on your motor vehicle policy.
You’ll receive a replacement vehicle similar to your own.
A hire vehicle will be provided within 24 hours of the accident.
You can keep the hire vehicle for the duration of the repair process.
If your vehicle is declared a total loss, you will receive a payout based on its market value.
What is a Credit Hire Claim?
What is Credit Hire?
Credit hire is a service provided by accident management companies that allows a non-fault driver to use a replacement vehicle on credit following a road traffic accident. The accident management company then seeks to recover the associated costs from the at-fault driver’s insurer.
Am I Entitled to have a Replacement Car after an Accident?
Many of us rely heavily on our cars, especially if we live in rural areas or have limited access to public transport. Fortunately, most insurance companies provide a standard courtesy vehicle after an accident, allowing you to stay on the road while your own vehicle is being repaired.
Replacement vehicle eligibility covers a wide range of vehicles, including cars, motorbikes, PCOs, and commercial vehicles, depending on your needs. Drivers can typically keep the replacement vehicle until their repair claim is fully settled, and in most cases, a replacement vehicle is available the same day as the accident.
Can I get A Replacement vehicle if the liability is not Admitted?
A common question after an accident is whether you can get a replacement car if the other driver’s insurer does not admit liability. This uncertainty can add stress to an already complex situation. We will explore the factors that determine entitlement to a replacement vehicle, the role of the insurer, and the steps you can take to maintain mobility even when liability is unresolved.
Some situations can be clarified, such as when both parties share responsibility for the accident. In these cases, liability is considered disputed.
What is the Car Repairs process in a Fault Accident Claim?
In the unfortunate event of a road traffic accident, knowing how to manage vehicle repairs can be stressful. If you are found at fault, it’s important to understand your responsibilities, how repairs are handled, and what costs you may incur. We ensure a transparent process for vehicle repairs as part of an at-fault accident compensation claim.
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Credit Repair Funding & How this works?
What is Credit Repair?
Credit repair is a service provided by claims or accident management companies to make the claims process easier for you.
An accident management company offers credit repair services if your vehicle is damaged in a non-fault accident.
For most of us, vehicles are essential for daily life, and a damaged car can disrupt routines and activities. How will you manage while waiting for your vehicle to be repaired?
If your car is damaged in a road accident that wasn’t your fault, the process of arranging repairs and handling claims can be time-consuming and stressful. That’s where credit hire and credit repair services step in, providing a replacement vehicle so you can continue your daily life without disruption.
Do I Need to Place My Car in Storage After an Accident?
Vehicle storage provides a secure space to keep your car or other types of vehicles, similar to a garage or a rented parking space within a storage facility. Depending on the provider and type of unit, vehicle storage can offer benefits such as gated access, on-site security, and climate-controlled conditions.
There are four main types of vehicle storage units:
Parking spaces
Covered spaces
Shared indoor storage
Personal units
The cost and facilities vary depending on the type of storage unit. It’s important to choose the storage option that best suits your vehicle, particularly if it is valuable or a classic model.
What is the Criteria for a Credit Hire or Car Replacement Service after a Non-fault Accident?
Credit Hire Service
Credit hire is a service that allows individuals involved in non-fault accidents to receive a replacement vehicle with no upfront cost. This service helps minimise the disruption caused by road traffic accidents, ensuring you can stay mobile while your own vehicle is being repaired. Here, we explain how credit hire works, its benefits, and how you can access these services in the UK.
Car Hire Claims After a Non-Fault Accident
Claiming a hire car after a road traffic accident can be straightforward. Depending on the circumstances, you may be entitled to claim the cost of a replacement vehicle from the at-fault driver’s insurance. In some cases, the at-fault driver’s insurer may provide a hire car directly.
Can I Make a Claim for Credit hire Replacement car against my Insurance provider?
Navigating the complex world of car insurance can be confusing, especially when it comes to credit hire replacement vehicles in the UK. A common question drivers ask after a road traffic accident is: Can I claim a credit hire replacement car through my insurance provider? We explain everything you need to know about this process, empowering you to make informed decisions.
Understanding Credit Hire Replacement Cars
A credit hire replacement car is provided by a credit hire company to drivers whose vehicles are unroadworthy due to an accident, theft, or maintenance. This service ensures you can continue your daily activities without the stress of being without a vehicle. Credit hire agreements typically apply when a car is damaged or declared a write-off in a non-fault accident.
If My claim is unsuccessful, will I have to pay the Replacement Car or Credit hire charges to the Replacement Car provider?
Understanding Credit Hire
Credit Hire is when a temporary replacement car provided by a Credit Hire company in the event of a non-fault accident, and the credit hire company funds the car hire during the time your vehicle is being repaired. The credit hire company will then claim the hire replacement car cost back from the at-fault driver's insurance.
How can I get the Estimates on my Vehicle Damage and Value of the Repairs to be Completed?
When your vehicle is damaged whether from a road accident or adverse weather it’s important to assess the extent of the damage and determine the cost of repairs. Knowing how to obtain an accurate repair estimate helps you make informed decisions and plan your budget effectively. Here, we outline the steps to get a reliable estimate for vehicle repairs and understand the costs required to restore your vehicle.
Can I get a Replacement Car After an Accident for Only the repair duration?
In the UK, if your vehicle requires repairs particularly after a non-fault accident you may be eligible for a replacement car while your vehicle is being fixed. Eligibility depends on your insurance coverage and the circumstances of the accident.
Accident Claims Assist offers a temporary replacement car service to get drivers back on the road quickly. Replacement vehicle eligibility covers a wide range of vehicles, including prestige cars, PCO vehicles, motorbikes, vans, and commercial vehicles. Drivers can usually keep the replacement car until their repair claim is fully settled.
Replacement vehicles are available on the same day as the accident, anywhere in the UK.
Can I Instruct an Estimate of Vehicle Repairs Cost?
Introduction
When your vehicle is involved in a road traffic accident or needs repairs due to wear and tear, obtaining an accurate estimate of repair costs is an important step. Many vehicle owners wonder if they can request a repair estimate independently, rather than relying solely on their insurance provider, garage, or repair shop. In this article, we explore how you can obtain a vehicle repair estimate, the available methods, and the advantages and disadvantages of doing so.
What is car storage, and when is it required to place a car in storage?
What Does Car Storage Refer To?
In the UK, car storage refers to a facility that provides a secure, indoor environment for keeping vehicles safe for short or long-term periods.
A car storage unit is an effective solution for protecting your vehicle from weather, theft, and damage. Options range from outdoor spaces to climate-controlled garages, ensuring your car remains in excellent condition. Whether for short-term or long-term needs, professional storage facilities offer both flexibility and peace of mind.
Am I Able to Make a Credit Hire Claim for a Replacement Car Myself?
If you’re involved in a road accident that wasn’t your fault, one of the biggest concerns is how to get back on the road. If your vehicle is damaged and requires repairs, you may be eligible to make a credit hire claim for a replacement car. We can help you understand the complexities of credit hire claims, guide you through the process, and highlight potential issues to avoid.
Accident Claims Assist is available 24/7 to provide courtesy car hire for individual claims or fleet management businesses.
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