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.
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.
Accident Claims Assist is available 24/7 to provide courtesy car hire for individual claims or fleet management businesses.
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0203 642 8857