Courtesy car frequently asked questions

Frequently Asked Questions  

Courtesy Hire Cars – Vehicle Claims – Credit Hire

 

Can You Receive a Courtesy Car or Hire Car After a Non-Fault Accident?

Courtesy hire cars and credit hire vehicles are provided based upon the circumstances of the accident and your requirements. If the vehicle accident was not your fault, you are often entitled by English Tort Law, to recover all your costs and expenses from the at-fault driver’s insurance company. This includes the cost of a like-for-like replacement vehicle, as well as any other losses you may sustain as a direct result of the accident. You are entitled to be put back in the same position you enjoyed before the car accident happened.

We provide a seamless service, eliminating financial worries. When you instruct our service, we take care of everything at no cost to you. We recover the costs from the at-fault driver’s insurance company at standard Association of British Insurers hire vehicle rates. We provide like-for-like credit hire and like-for-like courtesy hire cars following non-fault road traffic accidents. Our post accident car hire service team is available to help 24 hours a day. Our vehicles are delivered with fully comp insurance, the cover is matched to your own vehicle’s policy. This means anyone covered on your vehicle can also be covered on the hire vehicle.

Note. Many insurers, including the negligent drivers insurance company, will provide temporary hire cars and courtesy vehicle services as well. You may also contact your vehicle manufacturer approved agent as many will provide courtesy cars during repairs. We always suggest to fully research your options to find the best solution.

What Are The Age Limits?

We provide services to UK residents age 17 years plus with more than 3 months of driving experience, holding full valid driving licenses. This will be dependent upon who owns the vehicle and the circumstances which created the requirement (See our courtesy cars for young drivers page for further information)

Can I use the Accident Courtesy Car / Credit Hire Service With Any Insurance Type?

Third-Party Drivers:

If you hold third party only or third party fire and theft cover, you can often be responsible for paying everything up front after an accident. With our service, this is not the case. We step in and cover this outlay on your behalf and claim it back at standard ABI rates from the at-fault insurance company.

Fully Comp Drivers

Many people believe they are covered for everything if they have fully comprehensive insurance, which is why it’s called “Fully Comprehensive.” This may not always be true. You will be covered for the repair to your vehicle, but you may only receive a small basic courtesy car provided by the garage chosen by your insurer. If you need a larger vehicle, you’re out of luck.

That’s not all. If you claim your insurance and your car is written off, your insurer may not provide you with a vehicle unless you pay for it! Typically, you’ll have to wait for 2-4 weeks for your insurance to pay for the claim, leaving you with the financial burden of hiring a vehicle that you could do without.

Regardless of insurance cover type, you don’t have to claim on your insurance after a non-fault car accident. If you need a replacement hire vehicle or want to claim for your vehicle, ACC are ready to help! We provide a like-for-like replacement vehicle via our accident courtesy hire car service. You can keep this courtesy hire car /credit hire car after the accident until you receive cleared funds for your vehicle write off value, or your vehicle is fully repaired. This service is provided at no cost to you or your insurance.

How Does The Post Non-Fault Road Traffic Accident Car Hire and Courtesy Car Service Work?

Like For Like Courtesy Hire Car & Credit Hire

We provide a like-for-like replacement vehicle following an accident to keep you on the road. We match the specification and size of the courtesy hire vehicle to your vehicle, ensuring minimum disruption to you until your vehicle claim is settled. You can use your hire vehicle until your vehicle is fully repaired and returned or you receive a settlement of your own vehicle’s agreed pre-accident value.

Need help and advice following a non-fault road traffic accident? Call now. We’re ready to help you with your vehicle replacement and vehicle damage claims.

Opening Times? 

We operate 24 hours a day, seven days a week. Your temporary courtesy hire car delivery is available Monday to Saturday. We also have limited vehicle delivery services available on Sundays for insurance broker referred hire requests. Sometimes we can provide a temporary vehicle on a Sunday. We will then replace it with a like-for-like suitable vehicle during normal hours of business.

Courtesy Car And Credit Hire Vehicle Delivery

We deliver vehicles between 7:30 am and 8 pm Monday to Friday, and on Saturdays between 7:30 am and 2 PM. For Saturday deliveries we advise you to request hire before 10 am to ensure same-day delivery.

Call our 24 vehicle accident helpline for further details and assistance with hire requests & vehicle damage claims.

Am I Eligible For A Courtesy Hire Car Or Credit Hire Vehicle?

We require hirers to hold a full, in-date driving license. We can provide hire to anyone aged 17 – 85 with more than 3 months driving experience depending upon circumstances. Post accident car hire vehicles are provided fully insured.

We will require sight of the hirer’s driving license and a copy of the same together with proof of address. This can be a copy of a utility bill, bank statement or similar documentation.

Note. Your own insurance company may offer a courtesy car or temporary hire car service, as may the negligent drivers insurance company or your vehicle manufacturer main agent. Always research all your options to find the best solutions.

Can I Receive A Courtesy Hire Car Or Credit Hire Vehicle After A Non-Fault Accident?

We provide vehicles based on the circumstances of the accident and your individual needs. Through English Tort law, you’re entitled to recover all costs and expenses from the at-fault driver’s insurance company. This covers a like-for-like replacement hire vehicle as well as any other incurred losses due to the accident.

Our seamless service ensures you are back in the same position as before the accident occurred. Also with no financial worries.

Note. many insurers offer these services so always research your options to find the most suitable solution.

Who Pays For The Service?

Costs are recovered from the at-fault driver’s insurance company at standard rates agreed by the Association of British Insurers. Due to this their should be no cost to you or your insurance. For independent information about post non-fault car accident services visit the UK governments Citizens Advice page.

Can I Have A Like-For-Like Courtesy Car?

Of course! We’ll provide you with a like-for-like courtesy hire car / credit hire vehicle after a non-fault road traffic accident. The car-size and specification will match your vehicle. ACC also provide motorbikes, vans / commercial vehicles, and licensed/plated vehicles and prestige and performance vehicles. Whatever the requirement, we’ll provide the correct vehicle type.

Can I Receive A Courtesy Hire Car?

Yes, you can. ACC specialise in supplying post accident car hire services. Our replacement credit car hire and courtesy vehicles are provided based upon the accident circumstances and the customer’s requirement for a hire vehicle.

If the vehicle accident was not your fault, you are entitled by law to recover all your costs and expenses from the at-fault driver’s insurance company. This often includes the cost of a like-for-like replacement vehicle as well as any other losses you may sustain as a direct result of the accident. You are entitled to be put back in the same position as you were before the car accident happened.

We provide a seamless service, when you appoint ACC to help, we take care of everything at. Costs are recovered from the at-fault driver’s insurance company at standard Association of British Insurers’ agreed rates (ABI rates).

We provide like-for-like car hire and like-for-like courtesy cars following non-fault road traffic accidents with our post accident car hire service team always available to help 24 hours a day. Our vehicles are provided fully insured and the cover is matched to your own vehicle’s policy. Therefore, anyone covered on your own vehicle can also be covered on the hire vehicle at no cost.

Circumstances qualifying, we provide services to UK residents aged 17 years plus with more than 3 months of driving experience and holding a full valid driving license. If you’re a young driver please visit our courtesy cars for young drivers page.

Do I Have To Use My Insurance Company For A Courtesy Car After An Accident?

Regardless of insurance cover type, e.g. fully comp or third party, you do not have to claim on your insurance to get a replacement hire car. If the accident is not your fault, ACC can provide a like-for-like vehicle at no cost, and if required process your vehicle damage claim as well. Claiming via ACC you will not have to pay any insurance excess as no claim is made via your car insurance. For independent information on claims after non-fault car accidents visit the UK government Citizens Advice Page.

Note. Many car insurers offer excellent post car accident services, both your insurers or the insurers of the negligent driver. In addition you can consider independent services like our of those of your vehicle manufacturers main agent. So, always research your options after an accident to find the most suitable solution.

I Have Third Party Insurance Cover. Can I Use An Independent Accident Courtesy Car Or Credit Hire Company To Provide A Courtesy Hire Car?

If you have third party only or third party fire and theft cover, then you can often find yourself responsible for paying for everything upfront after an accident if you try to claim with the insurance company.

However, if you instruct ACC to help, we provide full services at no cost to you. ACC covers the outlay on your behalf then claims this back from the at-fault insurance company, avoiding the need to claim on your own insurance policy. ACC will help you with an immediate replacement car and process your vehicle damage claim. For independent information about claiming after a non-fault car accident visits the UK governments Citizens Advice page.

I Have Fully Comprehensive Cover. Can I Use An Independent Courtesy Hire Car Or Credit Hire Company?

Many people believe that with fully comprehensive insurance everything is covered, hence “Fully Comprehensive.” This is not always true. You may be covered for the repair to your vehicle, but only receive a small courtesy car provided by the garage chosen by your insurer.

If you claim on your insurance and your car is written off, you may not be provided with a vehicle by your insurer at all unless you have an additional policy for courtesy car / hire car cover. You will typically wait for your insurance to pay the pre-accident value for 2-4 weeks. The costs involved may well be so prohibitive, you may have to do without or accept an unsuitable temporary small vehicle.

With the ACC option, you don’t have to claim on your insurance after a car accident. If you need a replacement hire vehicle or want to claim for your vehicle, ACC will provide these services at no cost.

We provide a suitable like-for-like replacement vehicle via our accident car hire service. The hire car/courtesy car will remain with you until you receive cleared funds for your vehicle’s write off value or such time as your vehicle is fully repaired. We can provide post-accident hire only, or take over full conduct of the vehicle claim, therefore avoiding the need to claim on your own policy at all. This means no excess and no damage to your claims history – just a simple, efficient, alternative way to get back on the road and settle your vehicle claim.

Other options may be to contact the negligent driver insurance or your vehicle manufacturers main agent, many will offer courtesy car hire temporary hire cars after non fault vehicle accidents.

If you require post-accident car hire only or hire and vehicle claim services ACC has the solution for you.

For independent information about claiming after a non-fault car accident services visit the UK governments Citizens Advice page.

How long Do I Keep A Courtesy Hire Car Or Credit Hire Car After An Accident?

Our post non-fault road traffic accident car hire and courtesy car service keeps you on the road until your vehicle claim is resolved. We provide you with a like-for-like replacement vehicle following the accident to keep you on the road in a suitable vehicle matching your own vehicle in terms of specification and size, ensuring minimum disruption to you. You keep the replacement vehicle until your vehicle claim is settled.

This means you will usually stay in hire until your vehicle is fully repaired and returned or you receive a settlement of your own vehicle’s agreed pre-accident value.

Need help and advice following a non-fault road traffic accident? Call now. We’re ready to help you with vehicle replacement and vehicle damage claims help.

What are your opening times?

Accident Courtesy Car offer our one call helpline 24 hours a day, seven days a week. Full post non-fault accident car hire replacement vehicle delivery is available Monday to Saturday. Limited vehicle delivery services are available on Sunday for insurance broker only hire requests. Temporary vehicles will be provided on a Sunday and replaced with a like-for-like suitable vehicle during normal hours of business.

Courtesy Hire Car And Credit Hire Vehicle Delivery Times:

Vehicle deliveries are carried out between 7 am and 8 pm Monday to Friday, Saturday between 7:30 am and 2:30 pm. For Saturday deliveries, it is advised to request hire before 10 am to ensure same-day delivery.

Call our 24-hour vehicle accident helpline for further details and assistance with new accident hire requests/vehicle damage claims.

What are the conditions required for this service?

Accident Courtesy Car, require hirers to hold a full driving license. We can provide replacement car hire to anyone aged between 17 and 85 years of age with more than 3 months of driving experience. Post-accident car hire vehicles are provided fully insured.

We will require sight of the hirers driving license and a copy of the same, together with proof of address (this can be a copy of a utility bill, bank statement or similar documentation) proof of vehicle ownership, pictures of the vehicle damage and current location of the vehicle

What is post- accident car hire and credit hire?

Accident car hire companies provide courtesy cars and like-for-like car hire services to people after you have been involved in a vehicle accident that was not your fault. The vehicles are provided for the time it takes for your vehicle claim to be resolved. The cost of the replacement vehicle is charged to the at-fault insurance company meaning you have nothing to pay.

Accident car hire services can be provided by independent companies or sometimes directly by insurers. It is also known as credit hire.

What Are The Benefits Of Using ACC Over My Car Insurance Company?

• No Policy Excess To Pay. 
• No Claim Is Made Against Your Policy. 
• Independent & Accurate Write Off valuations. 
• Full Choice Of Vehicle Repairs Garage. 
• No Call Centres. A Personal File Handler. 
• Like-For-Like Replacement Courtesy Hire Cars and Credit Hire Vehicles.