Don't let your insurer fob you off

dickietruncheon

Many insurers will offer you a courtesy car if you have an accident. This is unlikely to be anything like the vehicle you currently drive. If the accident is not your fault check out https://www.helphire.co.uk. They provide like for like vehicles and claim the hire back off the insurer at fault - at no risk to you.

Seems like a good deal

Tom_O'Hawk

If it's not your fault then it's worth contacting the other party's insurer as twice they've contacted me within 48 hour of the incident to offer one to me as this cuts their costs down rather than paying my insurers costs plus.
Tom

Astaroth

Ah... good old credit hire - of all the credit hire companies Helphire were never my favourite but then if you work in a garage I am sure they are with the large back handers they give, though not sure how many know about their methods of dealing with credit repairs.

Courtesy cars are generally a Catagory A vehicle however many insurers (such as Privilege & I believe NU) also offer the option of upgrading to an improved vehicle which you get irrespective of fault and also in cases of theft and total loss claims.

The problem with credit hire is if the case end up not being 100% another parties fault - you either have to pay an insurance premium to cover yourself from the costs (which you cannot recover and is often more than the cost of the upgraded courtesy car off your own policy) or they charge you the cost which they could not recover. I remember a great case I had once where someone had got a porsche 911 from a credit hire car company at £500 a day and liability was finally settled on a 50:50 basis plus we successfully argued that they had not mitigated their losses by having a 911 (which is a legal requirement). We ended up going to court and the court ruled our offer of £1500 for hire was reasonable and the hire car company then took their customer to court for the outstanding £8,500 after he refused to pay

As Tom O'Hawk says - if you are in a non-fault accident and you need more than you have paid for your insurers to provide then the third party insurance company will provide a suitable vehicle at no risk or cost to yourself.