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Motor Accident?

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 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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