What you’re entitled to while your car is repaired.
Non-fault accident courtesy car: what you’re entitled to
If someone else caused the accident, you are entitled to a replacement vehicle while yours is repaired, paid for by their insurer, not by you. Through us, that replacement is like-for-like: the same size and type as the car you have lost the use of.
No excess to payWe pursue the at-fault insurer, not your policy
Like-for-like car, van or motorbikeSuited to your everyday needs
We deal with the at-fault insurerYou don’t have to chase them
Recovery, replacement and repairs sortedWe coordinate the moving parts
What you’re entitled to after a non-fault accident
When another driver is responsible for an accident, they are liable for restoring you to the position you were in before it happened. That includes the loss of use of your vehicle. You are entitled to a replacement car for as long as your car is reasonably off the road.
That entitlement comes from the law of damages, not from your own insurance policy. It exists whether or not your own policy includes a courtesy car benefit.
Like-for-like
On a non-fault claim, the car you receive should match the car you have lost the use of, the same size, the same type. Not the smallest vehicle on a hire fleet. Will I get a like-for-like replacement?
Courtesy car vs like-for-like replacement
These are two different things, and the difference is significant.
A courtesy car from your insurer
A replacement through Claims 24/7
Only if your policy includes one
Every non-fault claim we take on
Usually a small hatchback
Like-for-like — car, van or bike
Goes back if yours is written off
Stays until the money lands
How quickly the car arrives
Once your claim is confirmed, we arrange delivery of a replacement vehicle to your address. We will give you a realistic timeframe when we speak to you.
If your car is written off
If your car is declared a total loss, the repair stops and the at-fault insurer pays your car’s market value instead. The replacement vehicle stays with you until that settlement is agreed and the money is in your account. You are not left without transport while the total loss process runs.
The replacement vehicle is arranged on credit hire. You take the car without paying for it upfront. The hire cost is recovered from the at-fault driver’s insurer as part of your claim. You do not receive a bill.
How credit hire works.
How it costs you nothing
We recover our costs from the at-fault driver’s insurer, which is why the claim costs you nothing. That applies where another driver was at fault and holds valid motor insurance, which covers most road traffic accidents. If they refuse to accept fault, we argue it for you. We check yours on the first call and tell you where you stand before you sign anything.
Frequently asked questions
Am I entitled to a courtesy car after a non-fault accident?
Yes. Where another driver was at fault and is insured, you are entitled to a replacement vehicle for the period your car is reasonably off the road. That entitlement exists in law and does not depend on whether your own policy includes a courtesy car benefit.
Will I get a like-for-like replacement?
Through us, yes. We arrange a replacement vehicle of the same size and type as the car you have lost use of. This is different from a courtesy car provided under your own insurance policy, which is typically a small hatchback regardless of what you drive.
How long can I keep the replacement car?
For as long as your car is reasonably off the road, through the repair period, or until a total loss settlement is paid and the money is in your account. Once your own car is returned or the settlement is complete, the replacement is collected.
Who pays for the hire car?
The cost of the hire is recovered from the at-fault driver’s insurer. You do not pay. The arrangement is called credit hire and the car is provided to you on credit, with the at-fault insurer settling the cost as part of the overall claim.