How to Arrange a Replacement Car After an Accident
If someone else's fault accident has left you without a car, here's how the process of getting a replacement vehicle typically works.
What is credit hire?
Replacement vehicles are provided under a credit hire agreement. This is different from a courtesy car supplied by your insurer: hire charges are recovered from the responsible insurer, and we'll explain the agreement and any circumstances where you could be liable before you sign.
Who is typically eligible
Credit hire is generally used where the accident wasn't your fault and liability is reasonably clear or being pursued against the at-fault driver's insurer. Eligibility depends on your individual circumstances, so it's worth discussing your situation with a claims handler before deciding.
What to check before you sign a hire agreement
- What circumstances could make you personally liable for hire charges
- How long the agreement expects the hire to run
- What happens if liability for the accident is disputed
- What vehicle group or type you're entitled to
A reputable provider will explain all of this clearly before you agree to anything.
Steps to arrange a replacement vehicle
- Report the accident to your own insurer, per your policy's rules.
- Call a claims specialist to discuss your circumstances and eligibility.
- Read and understand the hire agreement before signing.
- Arrange collection or delivery of the replacement vehicle.