If your accident was not your fault, you are entitled to a replacement vehicle that meets your requirements while your car is being repaired or assessed. The at-fault driver’s insurance covers the cost, so you pay nothing.
Accident management companies act on your behalf to arrange a replacement car, ensuring you stay on the road without disruption.
Types of Replacement Vehicles
We understand that vehicle size, specification, and purpose matter. Replacement vehicles include:
- PCO Vehicles: Licensed taxis and minicabs, regulated by the Public Carriage Office.
- Standard Vehicles: Commonly used for rental purposes.
- Prestige Vehicles: Luxury cars such as Audi, BMW, Jaguar, Ferrari, and Lamborghini.
- Courtesy Vehicles: Provided by garages, repair shops, or insurers while your car is being repaired.
- Daily Use Vehicles: Small and medium-sized cars like Ford Fiesta, Vauxhall Corsa, or Volkswagen Golf for everyday use.
How to Get a Replacement Vehicle
- Contact an Accident Management Company: After ensuring everyone’s safety, contact a management company and provide details such as time, location, driver, and vehicle registration.
- Make a Claim: The company will guide you through the claims process and initiate it on your behalf.
- Speak to Your Insurers: Inform your insurance company about the accident.
- Vehicle Inspection: Engineers will inspect your car and prepare a report detailing repairs, parts, and labour costs.
- Hire Agreement: If your vehicle is repairable, a replacement vehicle will be provided—usually within 24 hours. You pay nothing; costs are recovered from the at-fault driver’s insurer, and your claim bonus remains unaffected.
- Total Loss Vehicles: If your vehicle is deemed a total loss, the accident management company will secure a settlement based on your car’s value, allowing you to purchase a replacement vehicle.
PCO Replacement Vehicles
PCO drivers can receive a replacement vehicle the same day to reduce disruption. Benefits include:
- Replacement vehicle at no cost
- Insurance unaffected
- Vehicle repairs via approved garages
- Recovery of accident-related losses
Insurance Coverage and Credit Hire
- Comprehensive Insurance: Covers repairs for your vehicle regardless of fault, including accidents, animal damage, or structural damage.
- Third-Party Insurance: Covers damage to other vehicles and liability for injuries.
- Credit Hire Services: Non-fault drivers can hire a replacement vehicle, with costs recovered from the at-fault driver’s insurer.
Non-fault drivers are entitled to a like-for-like vehicle, often available the same day, ensuring minimal disruption.
Why Choose Accident Claims Assist?
- 24/7 Roadside Assistance
- Reliable Replacement Vehicles
- Expert Claim Handlers
- Secure Vehicle Storage
- Professional Service
- Claim Bonus Untouched
- No Insurance Access Required
- Same-Day Replacement Vehicles
- No Win, No Fee Service
- Maximum Compensation
- Fleet of Insured Vehicles
- No Hidden Charges
Non-fault drivers can access all types of replacement vehicles, from motorbikes to prestige cars, PCO vehicles, or vans, until the claim is settled.
Contact us today at 0203 642 8857 to get your like-for-like replacement vehicle at no cost.
Frequently Asked Questions
How long can I keep the replacement vehicle?
You can use it while your car is being repaired or until you receive compensation.
What should I do after a road traffic accident in the UK?
Legally, you must contact your insurers within 24 hours and provide all details of the accident.
Can I claim on my insurance if I am at fault?
Yes, if you have comprehensive insurance covering your own vehicle.
Does an accident in an office vehicle affect my insurance policy?
Yes, accidents involving office vehicles can impact your insurance policy.
