Car accident, courtesy car or hire car cover?



If you have been involved in a car accident, it is important to understand the difference between courtesy car cover and hire-car cover. For independent help and advice with your accident claim, call 02392 484 244 and we will be happy to help.


What’s the difference between a courtesy car and a hire-car?

There is often a difference between the provision of a ‘courtesy car’ and the provision of a ‘hire car’ if you see these terms on your policy.

Courtesy cars:

  • 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 ie. 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, ie. a ‘write off’



Hire cars:

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

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

  • Can be available to use after a total loss settlement

  • Are often an ‘optional extra’ even on a comprehensive policy


Our independent accident claims service includes a hire-car

If you were not at-fault for the accident you were involved in, 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 claims service also includes the following benefits:

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

  • 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

  • Alternatively your repairs can be arranged at a garage of your own choice

  • Legal assistance can be arranged for issues including expenses, lost earnings and claims for compensation

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


For further advice or assistance regarding your accident, call us on 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