No replacement hire car on your insurance policy


If you don’t have a replacement hire-car on your insurance policy, or you just have ‘courtesy car’ cover, then you should consider the benefits of an independent non-fault accident claim.


Why a replacement hire-car is better than a ‘courtesy car’

Obviously a ‘courtesy car’ is better is better than no car at all, but they have several disadvantages.

The ‘courtesy car’ is likely to be a small standard saloon provided by a repairing garage as a short term substitute for your damaged vehicle during the repair process.


The disadvantages of basic ‘courtesy car’ cover on your policy may include:-

  • A very limited choice (if any) of your type of replacement vehicle

  • There may be time limits on how long you can use it, even if your car is still un-roadworthy and being repaired

  • If your vehicle is deemed a total-loss or ‘write-off’ your courtesy car may have to be returned immediately or you may not get one at-all

  • You may only get a courtesy car if you use the repairer specified by your insurer


The advantages of a replacement hire-car using our non-fault claims service:-

  • We provide like-for-like replacement hire cars that are matched as closely as possible to the type and engine size of your own

  • Your replacement will be delivered typically within 3 hours of accepting your claim

  • You can use your replacement for as long as it takes to complete the repairs

  • If your vehicle is a write-off, you can continue to use your replacement for up to 7 days following the receipt of your settlement cheque


In addition to providing a replacement hire vehicle, we can also manage your entire accident claim independently of your insurer.

Because we and our partners recover the costs and charges associated with your accident directly from the at-fault driver’s insurer, it means that we and our partners can provide you with help that you need without a claim on your own insurance policy.

How our non-fault claims service also benefits you because: -

  • You are not making a claim on your own insurance policy

  • You don’t pay your insurance excess

  • Your no-claims bonus should not be affected

  • We arrange for your vehicle to be repaired at one of network of approved accident repair centres or at repair centre of your own choice

  • We can arrange legal assistance with the recovery of expenses, lost earnings and claims for personal injuries

  • Help and advice from our 24/7 help-line


If you have been involved in a non-fault accident, we may be able to help you independently of your insurer. 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