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Non Fault Accident Courtesy Car Rules, Entitlements and Insurance Explained

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Car Accident Claims
Non Fault Accident Courtesy Car Rules, Entitlements and Insurance Explained
A Detailed Explaintion Of Non Fault Accident Courtesy Car Services

How to access a non-fault accident courtesy car service.
In the UK, the responsibility for providing a courtesy car after a car accident predominantly depends upon the circumstances of the accident, the insurance policies involved, and who is considered to be at fault. Non fault accident courtesy car services will provide a suitable temporary courtesy vehicle after an accident and until your vehicle damage claim is settled. Most insurers will provide a courtesy car during the repair, but not always in the event of a write-off.
This is a breakdown of Courtesy Car / Hire Car options to consider:
- Independent Services (Like ACC): If the accident was the fault of the third party driver independent non fault accident courtesy car / hire car services like ACC can often help. These services can be accessed directly, or often via your insurers, legal cover, insurance brokers, drivers clubs, Manufacturer after car products and others. Many will have an approved courtesy hire car provider who would carry service suitability checks, and upon approval, will usually provide a like-for-like courtesy car of temporary replacement hire vehicle for use until your vehicle claim is settled.
- At-Fault Party’s Insurance: If the accident is considered to be the fault of the other driver, their insurance company typically covers the cost of a suitable non fault accident courtesy car for the duration of the repairs to your vehicle. In the event of a total loss ( vehicle write off) vehicle provision will often continue until your vehicle claim is settled. The temporary vehicle is usually arranged through your insurance company or a company like ACC, which will liaise with the at-fault party’s insurer (the negligent driver’s insurance company) to arrange a non fault accident courtesy hire car services or the provision of a temporary vehicle via a repair centre. It may also be possible to obtain a temporary vehicle directly from the negligent parties insurance company.
- Comprehensive Insurance Coverage: If you have comprehensive car insurance cover your insurer may provide a courtesy car regardless of fault. Depending on the terms of your policy so always check you entitlement as it often includes a temporary replacement vehicle while yours is being repaired. However, in some cases, a courtesy car is provided during the time it takes to settle your vehicle write-off claim as well.
- Third-Party Insurance: If you have third-party insurance, which usually only covers damage to other parties property, not your vehicle, you may not be entitled to a courtesy car from your insurer. Always check you policy to discover your entitlements. If the accident was not your fault, the at-fault party’s insurance will often provide you with a courtesy car. Alternatively the may offer to cover the cost of a non fault accident courtesy car service to provide you with a suitable temporary vehicle until your vehicle damage claim is settled.
- Non-Fault Courtesy Car Claims: If the accident was not your fault and you’re making a claim through the at-fault driver’s insurance, they should cover the reasonable cost of a courtesy car. This includes the cost of hiring a vehicle similar to your own while yours is being either repaired, or your vehicle right-off claim is being settled. ACC can help you in obtaining a like-for-like temporary vehicle via our non fault accident courtesy car / hire car services.
- Credit Hire Companies, Courtesy Car Hire Services: In some cases, if you’re not at fault and your insurer doesn’t provide a courtesy car or offer access to a suitable vehicle type, or you do not wish to claim via your insurer, you may opt for a credit hire company/courtesy hire car service. These companies provide you with a replacement vehicle and vehicle claim service and the cost is usually claim back from the at-fault party’s insurance. However, be aware that pre-service suitability checks must be carried out before service offering. There could be complexities and potential costs involved if the service is not appropriate given your circumstances. It’s important to always thoroughly understand the terms before agreeing to this option to ensure that it’s suitable. This enables ease of cost recovery from the third-party insurer.
- Insurance Policy Limitations And Courtesy Cars: It’s essential to check the terms and conditions of your insurance policy regarding courtesy car provision, both in fault and non-fault situations, and vehicle write-off and repairable propositions. Some policies may have limitations on the type of vehicle provided or the duration of its use. Often insurers will only provide a courtesy car if your vehicle is repairable. Additional courtesy cover is offered by many insurers at an additional cost, which may provide a courtesy car provision in a larger number of circumstances.
Non Fault Accident Courtesy Car Service Considerations.
It’s important to note that the specifics can vary based on individual policies and both personal circumstances and those of the accident. Therefore, it’s advisable to consult your insurance provider or broker to understand exactly what vehicle provision is covered in the event of a non fault car accident. Additionally, seeking legal advice can be helpful, especially if there are disputes or complexities surrounding the provision of a courtesy car/ hire car. A useful resource for independent information on car accident claims and temporary vehicle provision can be the UK citizens advice page (link to citizens advice car accidents page)
How We May Be Able To Help
- Courtesy Cars / Courtesy Hire Cars
- No Excess To Pay
- Full Control Of Your Vehicle Claim
- You Select The Repair Centre
- You Agree Write Off Values
- Single Point Of Contact

How The Car Accident Claim Process Works
We provide a simple one-call service to register your vehicle claim or courtesy hire car request, we do the rest. You will remain fully informed of your vehicle claims progress throughout the process.
Once we are appointed, we arrange a post-non-fault accident courtesy vehicle and vehicle recovery following your requirement. We then immediately set to work on progressing your vehicle claim.
Our Vehicle Claim Process
First on the agenda is carrying out an engineers inspection of your vehicle. This will be carried out in person by an engineer who is appointed to assess the vehicle for its repair status, or its pre-accident value. Repairable vehicles will have a detailed repair cost report produced, written off vehicles will be fully valued in accordance to current comparable vehicle replacement values. The detailed valuation is reports are produced and presented for your approval.
Once the report is produced and you have agreed to any valuation, we submit the claim for your losses to the at-fault driver’s insurance company. If your vehicle is repairable we will first agree on a repair centre with you, then authorise your vehicle repairs directly to your chosen repair centre.

Vehicle Accident Damage Claims At No Cost To You Or Your Insurance
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Car Accident?
Vehicle Claim Questions
How To Claim After A Non-Fault Car Accident
Claiming after a non-fault car accident can be a simple process. Each loss you incur is a separate head of claim, for example, vehicle damage, property damage, loss of earning or business, compensation for personal damages to name a few.
Each head of claim is assessed and the quantified loss is recovered from the at-fault driver’s insurance company.
How We Can Help
We provide an alternative route to claim your vehicle damage or vehicle write off value . We offer a simple one-call service to report and register your vehicle damage claim. Being independent we act in your best interest throughout the vehicle claim process.
What to do next?
Call our 24-hour vehicle claim helpline and a member of the team will explain the claim process, answer your questions and arrange all services required.
Call us on: 0800 860 0171.
Claim Your Losses After A Non-Fault Car Accident
You can claim for a temporary replacement hire vehicle, property damage, or any financial loss you may have incurred as a direct result of the accident.
You can also claim for personal damages via a solicitor or a suitable legal expenses product you may have. However often a solicitor is provided by your own insurance company and this can be the most cost-effective way to claim dependent upon your policy type. Always make your investigations to discover your options and find the most cost-effective and expert service available to you.
Once liability is accepted by the at-fault driver’s insurance company claims for vehicle damage will usually be settled within 7 to 14 days.
Repairable Vehicle Claims
Vehicle repair authority is usually given within a 2- 7 day time frame following your vehicles engineers inspection report.
Write Off Vehicle Claims
Write off values are usually paid out within 7 to 14 days from your acceptance of your vehicle write off value.
There is policy excess required as the claim is presented directly to the negligent drivers insurers.
The vehicle loss / Vehicle repair claim together with the cost of the any temporary vehicle is also claimed from the at-fault driver’s insurance company.
Write Off Value Claims
Vehicles should be valued correctly to establish their current market value. When claiming for a vehicle after a non-fault accident you are entitled to claim the market value for a vehicle. However, if the vehicle is brand new the original cost can be recovered.
For vehicles that are not brand new, you are entitled to claim back their current market value at the point of loss. Market value is somewhere between retail and trade value. It’s often described as what you might find the equivalent vehicles market value for a private sale example.
Accurate Valuation
To value a vehicle correctly multiple examples of the equivalent vehicle will be found as market examples. A vehicle engineer will also inspect your vehicle, taking into account the vehicles age, mileage, pre-accident condition and service history to assess the condition. The vehicle model and its build specification are also considered valuation.
All these factors are then combined and discussed with the vehicle owner to enable a final agreed valuation.
A simple book value is more often simply not applicable given the wide variation in single-vehicle model specification. Cars highly personalised with the almost endless optional extras vehicles can be ordered with. When combined with the varied approach different individuals take to vehicle maintenance and car care book valuations are often not accurate.

Car Accident?
Vehicle Claim Questions
How To Claim After A Non-Fault Car Accident
Claiming after a non-fault car accident is a simple process. Each loss you incur is a separate head of claim, for example, vehicle damage, property damage, loss of earning or business, compensation for personal damages to name a few.
Each head of a claim is assessed and the quantified loss is recovered from the at-fault driver’s insurance company.
How We Can Help
We provide an alternative route to claim your vehicle damage or vehicle write off value rather than using your insurance company. We offer a simple one-call service to report and register your vehicle damage claim. Being independent we act in your best interest throughout the vehicle claim process.
What to do next?
Call our 24-hour vehicle claim helpline and a member of the team will explain the claim process, answer your questions and arrange all services required.
Call us on: 0800 860 0171.
Claim Your Losses After A Non-Fault Car Accident
You can claim for a temporary replacement hire vehicle, property damage, or any financial loss you may have incurred as a direct result of the accident.
You can also claim for personal damages via a solicitor or a suitable legal expenses product you may have. However often a solicitor is provided by your own insurance company and this can be the most cost-effective way to claim dependent upon your policy type. Always make your investigations to discover your options and find the most cost-effective and expert service available to you.
Once liability is accepted by the at-fault driver’s insurance company claims for vehicle damage will usually be settled within 7 to 14 days.
Repairable Vehicle Claims
Vehicle repair authority is usually given within a 2- 7 day time frame following your vehicles engineers inspection report.
Write Off Vehicle Claims
Write off values are usually paid out within 7 to 14 days from your acceptance of your vehicle write off value.
There is no cost to pay or policy excess required.
The vehicle claim service is paid for by the at-fault drivers insurance company.
Write Off Value Claims
Vehicles should be valued correctly to establish their current market value. When claiming for a vehicle after a non-fault accident you are entitled to claim the market value for a vehicle. However, if the vehicle is brand new the original cost can be recovered.
For vehicles that are not brand new, you are entitled to claim back their current market value at the point of loss. Market value is somewhere between retail and trade value. It’s often described as what you might find the equivalent vehicle market for as private sale.
Accurate Valuation
To value a vehicle correctly multiple examples of the equivalent vehicle will be found as market examples. A vehicle engineer will also inspect your vehicle, taking into account the vehicles age, mileage, pre-accident condition and service history to assess the condition. The vehicle model and its build specification are also considered valuation.
All these factors are then combined and discussed with the vehicle owner to enable a final agreed valuation.
A simple book value is more often simply not applicable given the wide variation in single-vehicle model specification. Cars highly personalised with the almost endless optional extras vehicles can be ordered with. When combined with the varied approach different individuals take to vehicle maintenance and car care book valuations are often not accurate.
