When you’re involved in a road accident, one of the biggest worries is often not just the repair costs, but how you’ll get around while your car is off the road. This is where arranging a hire car during an insurance claim becomes essential. Having access to a replacement vehicle allows you to continue your daily routine without disruption, whether it’s commuting to work, school runs, or family errands.
In this guide, we’ll explain how the process works, your rights, and practical steps to ensure you secure a hire car quickly and without stress.
Why a Hire Car Matters After an Accident
Losing your car unexpectedly can be frustrating, especially if you rely on it every day. A hire car ensures:
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Continuity of travel – no disruption to work, school, or daily life.
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Reduced stress – you don’t need to borrow or rely on public transport.
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Fair treatment – if the accident wasn’t your fault, you shouldn’t be left without transport.
Many insurance policies now include access to a hire car, but the terms can vary depending on the insurer and the circumstances of your accident.
Hire Car During an Insurance Claim: Your Rights
In the UK, if you’re involved in an accident that wasn’t your fault, you usually have the right to a replacement vehicle while yours is being repaired. The costs are typically covered by the at-fault driver’s insurance.
If the accident was your fault, things depend on your policy. Comprehensive insurance often includes cover for a courtesy or hire car, but third-party policies may not. This is why checking your policy details is so important.
How to Arrange a Hire Car
Getting a hire car during an insurance claim is usually straightforward, but the process differs slightly depending on your situation.
1. Through Your Insurance Provider
Most comprehensive insurance policies include access to a temporary car. The insurer works with partner hire companies to provide one while your vehicle is repaired.
2. Via a Credit Hire Company
If the accident wasn’t your fault, you may be referred to a credit hire company. They’ll provide you with a car similar in size and style to yours, with the costs recovered directly from the at-fault insurer.
3. Independent Car Hire Services
If your policy doesn’t cover a hire car, you can arrange one independently and claim the costs later, though this often depends on fault and liability decisions.
How Long Can You Keep the Hire Car?
The length of time depends on your case:
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While your car is repaired – until it’s back on the road.
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In a total loss claim – usually until your settlement cheque arrives.
It’s important to stay in touch with your insurer or hire company to avoid unexpected charges once the agreed period ends.
Key Considerations When Choosing a Hire Car
When arranging a replacement vehicle during an insurance claim, consider:
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Vehicle size – it should be similar to your own, especially for families.
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Insurance cover – ensure the hire car is fully insured.
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Mileage limits – check for restrictions that may affect long journeys.
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Fuel policies – understand whether it’s full-to-full or another arrangement.
Tips to Make the Process Easier
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Report the accident to your insurer as soon as possible.
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Keep a record of all communication and agreements.
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If using a credit hire company, check they are reputable.
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Understand the terms of your policy before you need to make a claim.
Conclusion
Getting a hire car during an insurance claim in the UK can feel complicated, but with the right knowledge, the process is smooth and stress-free. Whether through your insurer, a credit hire company, or independent hire, you have options to stay mobile after an accident.
At Continental Car hire, we understand how important it is to keep drivers on the road. Choosing the right service ensures you don’t just save time and hassle, but also get back to driving with confidence while your insurance claim is resolved.
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