What is a credit hire car?
A credit hire car is a temporary replacement vehicle provided if you’ve been involved in a non-fault accident. It’s arranged through an accident management company like One Call Claims. You can use it while: Your vehicle is being repaired, or You are waiting for a total loss settlement We aim to provide a like-for-like vehicle where possible, depending on your needs (for example, work or family requirements). The vehicle is provided on a credit basis, meaning you don’t pay upfront. We then recover the cost from the at-fault insurer. Important: You may be responsible for the hire charges if you: Provide incorrect or misleading information Do not cooperate with us or our representatives Instruct another solicitor without informing us Full terms will be explained when the vehicle is provided.
What is a courtesy car?
A courtesy car is a temporary replacement vehicle provided by the repairing garage (selected by your insurer) It is usually: A small, standard vehicle (often a 5-door manual hatchback) Subject to availability Provided only if your vehicle is repairable Available if you are claiming under a comprehensive policy If you have an automatic licence, an automatic vehicle will be provided where possible.
What is the parts ordering process?
If your vehicle needs repairs under your comprehensive policy, we may order parts in advance. We assess the damage using the photos you provide. If your vehicle is safe to drive, you may be able to keep using it while parts are ordered. Once the parts arrive, we’ll arrange a convenient date for your vehicle to go into the garage for repair.
Can I use my own garage?
Yes, you can choose your own garage. However, there are a few important things to be aware of: What you need to do: Provide the garage’s name, address, and contact details Ask them to submit a repair estimate via Audatex (code: ONECALL) or email: [email protected] Things to consider: We cannot guarantee the quality of repairs from non-approved garages A replacement vehicle may not be available Costs: If your chosen garage charges more than our approved repairers, you may need to pay the difference. We will let you know in advance if this applies. Replacement vehicle: If your garage cannot provide one, we cannot supply a vehicle unless you have an additional product such as Guaranteed Hire. If you have this cover, please contact our team on 020 3738 7300.