Make a Credit Hire Claim
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How to Make a Credit Hire Claim in the UK
If you’ve been involved in a non-fault road traffic accident in the United Kingdom and your vehicle is damaged or is not roadworthy, you may be eligible to get a replacement vehicle while yours is being repaired or until you receive a settlement amount in case of total loss. One common way to get a temporary replacement vehicle is through a credit hire.
Credit hire services are suggested to help non-fault drivers by providing them with a like-for-like or comparable vehicle without the need to pay any charges. Instead, the hire vehicle cost is claimed from the at-fault driver’s insurance company. But to ensure a swift and successful claim, it’s necessary to understand the process, requirements, and your legal rights.
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What Is Credit Hire?
To qualify for credit hire, you will require:
- A Driving licence
- Insurance policy that includes your use of the replacement vehicle
- To be without approach to another comparable vehicle
- 24/7 Road Assistance
- We will assist you for vehicle repairs compensation from the faulty party.
- Vehicle recovery cost will be charged to the faulty party.
- Our claims specialist will help you for your personal injury compensation.
- We will help you to get maximum compensation.
The Credit Hire Claim Process Explained
- Determine Fault
Before you proceed with a credit hire claim, you must be well-defined that you were not at fault for the road traffic accident. Credit hire claims are usually only successful when liability is admitted by the at-fault driver or when there’s strong supporting evidence proving the other driver is liable for the accident.
- Report the Accident
Speak to your insurance company to notify the accident as soon as possible, even if you are not looking to make a claim from the insurers. It is also a good thought to let your insurance company know that you are looking for a replacement vehicle through a credit hire company.
- Speak to a Credit Hire Company
Contact a reliable credit hire company or speak to an accident management company. They will usually:
- Determine whether you qualify for a replacement vehicle
- Provide a suitable replacement car to you within 24 hours
- Arrange vehicle recovery and repairs for you
- Handling correspondence with the at-fault driver’s insurance company
To qualify for credit hire, you will require:
- A Driving licence
- Insurance policy that includes your use of the replacement vehicle
- To be without approach to another comparable vehicle
- Understand the Hire Agreement
Before signing, review the credit hire agreement thoroughly. It should include:
- Daily hire rate
- Type of replacement vehicle
- Hire duration
- Keep Records and Documentation
You’ll need to provide documents to support your claim, such as:
- Proof of your need for a replacement vehicle (e.g., work requirements, family duties)
- Evidence of the accident and liability
- Repair estimates or vehicle inspection reports
- A copy of your driving license and insurance documents
It’s also wise to keep all correspondence with insurers and solicitors.
Points That Affect Your Credit Hire Claim
Impecuniosity
To succeed in a credit hire claim, you need to prove the following:
- Claimant Need: The claimant needed a replacement vehicle and did not have any access to another vehicle.
- Impecuniosity: If you are financially able to cover rental or hire costs upfront, the court may ask you if you should have used a standard rental service.
Hire Duration
The hiring period must be reasonable. Any delays in repairs or extended use of the hire vehicle without explanation can lead to disputes.
Comparable Vehicle
The replacement vehicle should be similar to your vehicle in terms of size, type, and function. If you normally drive a hatchback, you cannot claim for a luxury vehicle.
What Happens If the Hire Claim Is Disputed?
If the at-fault insurance company disputes your claim on the grounds of liability, hire duration, or hire vehicle rate, the credit hire company may take legal action on your behalf. In many situations, these disputes are settled before reaching court. If the court proceedings are issued, you may be required to provide supporting evidence and possibly appear in person to support your claim if required by the court.
A solicitor will usually guide you through this entire process. Most credit hire companies include a clause that covers legal illustration.
Benefits of Credit Hire
- No upfront charges
- Quick access
- Comparable Vehicle
- Professional and legal assistance
On the other hand
- Possible liability if your claim fails
- Disputes over the hiring period
- Must meet specific benchmarks
Our Services
Efficient and reliable accident recovery services to transport your vehicle safely and promptly.
Secure and convenient storage solutions for your vehicle while you manage your claim.
Thorough vehicle inspections to assess damage and facilitate accurate repair estimates.
Access to high-quality rental vehicles to keep you mobile while your own vehicle is repaired.
Expert repair services to restore your vehicle to its pre-accident condition.
Our Commitment to You
Claim Your Compensation with Ease
Don't stress about the accident claims process. Our accident claims management company streamlines everything. Get in touch, and we'll provide expert guidance and start managing your claim right away.
Free Replacement Vehicles
Stuck without a car? We arrange like to like replacement vehicles for free, so you’re never inconvenienced.
Expert Legal Advice
Our accident claims experts connect you with our solicitors who guide you through claim validation and ensure maximum compensation.
Vehicle Recovery and Repairs
We provide no-cost vehicle recovery services and work with approved garages to get your car back on road.
Key points for a swift claim
- Do not delay in organizing a replacement vehicle or vehicle repairs.
- Be honest about your financial position and vehicle specifications.
- Understand what you are approving in the credit hire agreement.
- Respond promptly to the credit hire company, your acting solicitor, and your insurance company.
Conclusion
Making a credit hire claim in the UK can be a simple and efficient process if handled appropriately. The key is to act rapidly, choose a reliable credit hire company, and make sure you meet the necessary legal requirements. With the right documentation, evidence, and guidance, you can obtain a replacement vehicle at no upfront cost while your claim is processed.
If you are not sure whether you qualify for a replacement vehicle, a quick consultation with a credit hire provider or a claims management company can provide you the details, answer your queries, and get the dice rolling.
How much does it cost to repair a vehicle?
The repair cost depends on the vehicle damages; vehicle Make & Model, and age of the vehicle and its condition.
Do I have to pay for my vehicle repairs?
You do not have to pay anything if the vehicle accident is not your fault. The repair cost will be recovered from the at-fault party's insurance company.
How to get an estimate for vehicle repairs?
We can contact our local garage or the online repairs calculator. We need to provide the following details:
- Enter your vehicle registration and area postcode
- Mention the details of the repair services
- Check if the vehicle is driveable
- Request for a repair estimate
- Book your vehicle repairs with our approved garages
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