Non Fault Accident - Using Auxillis

MyRealNameToo

facade said:

Courtesy cars come from the repairing garage, if they have one available, whilst they have your car in for repair.

"Replacement" cars are credit hire cars, sourced through an Accident Management Company (AKA Ambulance Chaser, but in this case you have gone to them)  that you can have from the moment that the sound of the crash has faded until you collect your repaired car, or cash the cheque if it is a total loss, as they rack up huge sums for the AMC.

I dare say if you have a guaranteed replacement car on your policy, down on page 97 of the micro print it will say that replacement cars are through Auxillis.

Traditional courtesy cars come from garages 

Insurers for a good while now however have sold policy add ons that provide a vehicle irrespective of fault or if the car is repairable or not which are hire cars. Different firms call it different things and some have multiple levels of it. Sainsbury's for example markets it as "guaranteed courtesy car" whereas DL calls it "guaranteed hire car"

Benefits are its often a bigger vehicle, its not subject to the garage having a spare vehicle and also covers cases where there are to be no repairs (eg total loss or stolen not recovered). The downside is most have a maximum number of days so if your car is undrivable but the parts are on a 3 month backorder you'll probably still be without a car for 2 months. 

Companies that provide hire cars to the insurance industry tend to also have an accident management function too so DL used to use Enterprise be that for providing their guaranteed hire car or referring customers to them for credit hire. 


Admiral's offering is slightly different, their "Hire Vehicle Cover" only covers situations where a courtesy car isnt available and only on fault or partial fault accidents. Their policy add on doesnt cover non-fault accidents. Irrespective they use Auxillis for both insured hire and credit hire, though inevitably they pay a very different price for insured hire car provision than what Auxillis charge under credit hire arrangements. 

Admiral is generally in the cheap and cheerful category so probably no surprise that their cover isnt as broad as many others however it does go up to a 2L engine and 28 days cover which is certainly more than what some others were offering with their basic guaranteed courtesy car offering. 


Unfortunately marketing departments are still driving the naming and there is no industry wide name so you can't say if its XXX it means this and otherwise its a credit hire.