Car Insurance: Will I get a courtesy car or a hire-car


The prospect of being left without a car if yours is un-roadworthy after an accident is simply not an option for most people. This is why many people choose to have a ‘replacement vehicle’ included on their car insurance policy. However there are 2 very different types of ‘replacement vehicle’ that could be made available to you via your insurer and it’s important to understand the difference.


A courtesy car

This would typically be a vehicle supplied by the garage that repairs your vehicle. It is likely to be a small saloon or more likely, a cheaper hatchback and will be one of many kept by the garage for use by any of their customers. These may even be offered on a ‘standard’ car insurance policy without any additional cost.

The main disadvantages of courtesy cars are that they often of variable quality and if all the vehicles from your repairing garage are in use – you may not get one at all.


A hire-car

This would typically be a hire vehicle from a large rental hire company that has an agreement with the insurer. This should be a relatively new, good quality vehicle but is likely to be supplied as an ‘optional extra’ on your policy, in other words – you will pay extra on top of your basic insurance in order to have one.

This option may have the disadvantage of strict usage terms – in other words, the time period you can use it for may be restricted. This will be outlined in the small print of insurance policy which of course most people don’t read. Also, if your vehicle is a write-off or ‘total loss’, you may have to give back your hire-car immediately.


The advantages of avoiding non-fault accident claims on your car insurance

Making an accident claim independently of your insurer has many potential advantages. If you make a non-fault accident claim on your car insurance you will almost certainly be required to pay the excess on your policy. In addition to this, your annual policy renewal cost may increase as a result of your claim.

Car Call’s independent non-fault claims service provides assistance to thousands of motorists every year. As part of our service, we provide all our customers with like-for-like replacement hire-vehicles - regardless of the type of cover you have with your insurer.

We are also happy to let you use your vehicle for as long as your vehicle is un-roadworthy - and if it is a total loss - you can use it for up to 7 days after you receive your settlement cheque.


Who pays for all this?

All the costs associated with your accident will be recovered on your behalf directly from the insurer of the driver responsible for the accident.


We don’t just provide hire-cars though – We and our partners organise your repairs and can arrange legal assistance too as part of your independent non-fault claim.

You don’t even have to contact your insurer either, we will notify them for ‘information purposes only’ for you.

Our full range of services are shown below: -

  • No excess to pay on your policy

  • Your annual renewal premium should not be affected

  • You receive a like-for-like replacement vehicle

  • Your damaged vehicle is repaired at an accident repair centre

  • Repairs can alternatively be carried out at a garage of your choice

  • All repairs are fully guaranteed and are carried out according to your manufacturers specifications

  • Legal assistance with your accident related issues

  • 24/7 support and advice from our experienced claims team



To find out if we can help with your accident claim, just 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 and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.


No need to claim on your insurance

Anyone who has been involved in a road accident has the right to choose who repairs their vehicle. If you were responsible for the accident you were involved in, the company that insures your vehicle would normally deal with your accident claim.

However if you were not at-fault for the accident, you can choose to either claim on your own insurance policy or make a claim independently of your insurer. To find out more call 02392 484 244 and we will be happy to help.

We and our partners help thousands of people make independent accident claims. Our service enables motorists to get the help and assistance they need to resolve their accident related issues, with the costs being recovered directly from the at-fault driver on your behalf.

No excess to pay

Unfortunately even if an accident was not your fault, your insurer will almost certainly require you to pay your excess before any repair is started on your car.

This money should of course be recovered by an insurer at a later date, but with our service - you do not have to pay it at all.

By using our independent claims service, you are not making a claim on your insurance policy and so you will have no excess to pay.

Receive a like-for-like replacement hire vehicle

Not all insurance policies will include a replacement hire-car for you to use if yours is damaged and unroadworthy. In fact it is typically an 'optional extra' on your policy.

Other policies may offer a 'courtesy car' but this is often just a 'basic' saloon or hatchback which may not be suitable for your needs.

Car Call and its partners will provide a like-for-like replacement vehicle as part of our service. This means we will endeavour to supply a hire-vehicle that similar to your own in terms of its type, make and engine size.

So whether you drive a small hatchback or a prestige sports car, we will look to provide a similar hire-vehicle that suits your needs.

Manufacturer approved vehicle repairs

If you have been involved in a car accident, the last thing you want to have to worry about is the quality of the repairs to your car. We have a UK wide network of partner approved Accident Repair Centres available to all of our customers.

Many of our accident repair centres are have manufacturer approvals for specific brands, so if you require a manufacturer approved repair centre, simply tell your personal claim handler and they will ensure your vehicle goes to an approved repairer.

Want you vehicle repaired by a specific garage? No problem, we can alternatively use a repairer that you specify.

Legal Assistance

Our partner solicitors provide legal assistance as part of our service. They specialise in motor claims related issues, so you can be assured of the best possible advice and assistance.

They issues they can assist you with include:

  • Recovery of the cost of the replacement hire-vehicle
  • Recovery of the cost of uplifting your damaged vehicle
  • Recovery of all repair costs
  • Recovery of the cost of damaged of personal items
  • Seeking financial compensation for an injury