Credit hire - how it works?

Has your car been damaged in a car accident that wasn’t your fault? If so, you’re in the right place. If you do not have the money to cover the repairs or replacement costs yourself, a credit hire company can provide you with a hire car at no cost to you.

What is credit hire?

Credit Hire is when a temporary replacement vehicle is provided in the event of a non-fault road car accident, and the credit hire company pays for the car hire while your vehicle is being fixed. They claim any hire charges back from the at-fault driver's insurance company.

The benefits of credit hire.

Wide range of vehicles:

Usually, a credit hire company offers a wide range of vehicles to suit any of your needs. Allowing you to continue living your life as normal while your car is being repaired. This is especially beneficial for those of you who have specific needs for your vehicle.

You don’t pay anything:

When using credit hire you shouldn’t have to worry about the cost. The credit hire company claims back the hire charges from the at-fault drivers insurance so you don’t pay a penny.

Can I use this service?

You can only use credit hire if:

• The accident was another driver's fault and not yours.
• The at-fault driver must be insured.
• Your vehicle needs to be repaired.
• You don’t have an alternative vehicle you can use while your car is being repaired.

Should I use my insurance company?

The short answer is no, and here’s why. If you use your insurance you’ll have to pay an upfront excess for them to deal with your accident claim and 9 times out of 10 you’ll be met with slow customer service. Insurance companies are also known for having shortages of courtesy cars. Meaning you may be waiting a while for an alternative vehicle or be given a vehicle that doesn’t suit your needs.

Lastly, if you make a claim or even report the incident to your insurance company, your premiums could increase and you may lose your no-claims bonus. Please note that some insurance companies require you to report the accident to them on an “information-only” basis, so please check your terms and conditions. However, even if you have to report it, that doesn’t mean you have to use your insurance company. You could use an accident management company Manchester, like Claim Link UK instead.

Accident Claims Management Manchester

Claim Link UK provides accident management services for people who were in an accident that wasn’t their fault. If your car has been damaged and needs fixing, they will provide you with a free, same-day, like-for-like replacement vehicle.