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Motor Accident?

Accident not my fault can I get a hire-car not a courtesy car?


If you have a ‘replacement vehicle’ as part of your insurance cover, it may well be a ‘courtesy car’ rather than a hire-car so it is important to understand the difference between the two.

A ‘courtesy car’ is usually from a limited range of vehicles held by the repairing garage itself. But they: -

  • Are not ‘standard’ on all policies

  • May only be available while your vehicle is being repaired at an insurer approved garage

  • May not be a ‘like-for-like’ replacement i.e. not a similar type or engine size to your own

  • May not be available to you at all if your vehicle is a total loss, i.e. a ‘write off’


Our independent non-fault claims service will provide a hire-car with your claim and it: -

  • Will be available to you from the start of your claim to the end

  • Will be a like-for-like replacement for your own vehicle

  • Will be available to use for up to 7 days after a total loss settlement

  • Are a ‘standard’ feature of our service, they are often an ‘optional extra’ even on a comprehensive policy


Our service includes a hire-car and a host of other services

If you were not at-fault, our independent claims service enables you to get a like-for-like replacement hire-car if yours is un-roadworthy and/or being repaired.

In addition to this, if your vehicle is deemed a total loss or ‘write off’, you can use your replacement vehicle for up to 7 days after the receipt of your settlement cheque.

Your replacement vehicle will be delivered to you typically within 3 hours of accepting your claim.

Our service also provides the following benefits: -

  • An alternative to a claim on your own car insurance policy

  • All costs and charges are recovered directly from the at-fault drivers insurer on your behalf

  • No excess to pay and your no-claims discount should not be affected

  • A like-for-like replacement for your car if it is un-roadworthy and/or being repaired

  • We arrange the repairs for your car at an approved accident repair centre

  • You choose who repairs your vehicle yourself if you prefer

  • We arrange legal assistance for issues including expenses, lost earnings and claims for compensation

  • A 24/7 help line is available for all your claim enquiries



To find out more about our service, call 02392 484 244 and we will be happy to help.

Any policyholder can use this service, and it is your legal right to choose who repairs your vehicle. All assistance offered and information given on this page is provided by Car Call UK and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected
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