It’s never pleasant to get into a motor accident. On top of the trauma of the event, the anxiety of coping with the auto repair and transportation issues and dealing with the insurance companies can easily be overwhelming. One of the greatest concerns among auto drivers in London is likely to end up with no ride.
It’s where a credit hire vehicle in London comes in handy, providing a short-term replacement vehicle at no initial cost. In case the accident was caused by someone who was not you, you have a legal entitlement to still carry on driving while your vehicle is being repaired or until your claim has been resolved.
In this piece, we shall explain a credit hire car, how it works and how it becomes so readily convenient to drivers around the entire city.
What Is a Credit Hire Car?
Credit hire refers to alternative transportation that you get after experiencing a non-fault accident. In contrast to normal car hire, you do not pay the hire yourself. Instead, the credit hire firm recovers the amount from the at-fault driver’s insurer straight away.
That is, you get to continue driving while you have no additional hidden expenses to contend with. What makes credit hire distinctive is that you typically receive a like-for-like replacement vehicle.
That is, if you have a family SUV, you would get no mini urban vehicle. Instead, you get something similar to yours in nature so that you do not have to disrupt your routine.
This is different from a courtesy car hire in London that could be provided by your insurer. Courtesy cars will in most cases be small saloon vehicles which you may not wish to utilize. A credit hire vehicle implies you shall not make any compromises.
Who Qualifies for a Credit Hire Car in London?
Not all drivers qualify in per se, but you could qualify if:
You had an accident that was in no way your fault.
Your car was damaged and is no longer roadworthy.
You have to have a vehicle to get to job, family obligations, or everyday responsibilities.
It depends on the nature of the accident, but if the fault lay with the other party, you are entitled to the right to a temporary London replacement vehicle.
How Does the Process Work?
Getting an accident replacement vehicle in London is usually straightforward, and it’s even easier with specialist credit hire firms.
These processes usually contain the following procedures:
- Report the Accident – Report the accident to your insurer or credit hire company at the earliest. Report the accident and the identity of the other driver.
- Assessment – Your credit hire company confirms that the accident was not your fault and assesses your eligibility.
- Vehicle Delivery – A credit hire car in the UK will have the car delivered to your office, home, or anywhere that you prefer, typically in 24 hours.
- Repairs or Settlement – Until repair of your impaired motor vehicle is effected, or until you receive settlement, you use the hire motor vehicle.
- Cost Recovery – The renting company recovers its cost from the party at fault’s insurer. You don’t pay initially.
In London, this process might prove especially helpful to motorists. Due to congested roads, long working hours, and limited public transportation in areas, being car-less becomes more than inconvenient; it might disrupt your entire life.
The Benefits of a Credit Hire Car
Credit hire in London also provides you with lots of benefits compared to any other means such as courtesy cars or even personal rentals.
No initial outlay – Your own pocket will not have to suffer.
Like-for-like exchange – You receive a vehicle that’s identical to yours so that you have convenience and comfort.
Quick service – Many providers deliver a replacement within hours.
Rental hassle eliminated – No need to communicate with the insurer of the at-fault party.
Peace of mind – No disruption of your regular schedule.
It provides stability to businesses and to families at a time that’s otherwise quite stressful.
Things to Keep in Mind
Although the process flows easily, it’s worthwhile to bear in mind several important aspects:
- Disputed liability – In the event that the other driver denies liability, it may cause delays while liability is determined.
- Length of hire – You usually get to have the vehicle until repairs are complete, or your settlement was released, but you shouldn’t have it longer than you must.
- Your responsibilities – You have to treat the rented car in the same way you treat your own and adhere to the contract.
By dealing with a reputable dealer, these risks are minimized, and it’s a pretty simple process.
Conclusion
Fortunately, a credit hire London vehicle gives you a quick and sure solution. With a non-fault accident hire vehicle, you have immediate access to a substitute like-for-like vehicle at no initial outlay and life stays on schedule whilst your claim process unfolds.
Regardless of whether it’s a temporary replacement vehicle in London, a hire car courtesy in London, or a hire car in London insurance, credit hire companies do not leave you under any circumstances stranded after an accident.
If you end up in this predicament, talk to a good provider and obtain assistance that will get you back on track with confidence.
Frequently Asked Questions
1. Who pays for the credit hire car?
These expenses are paid straight from the fault driver’s insurer. You will usually not have to pay in advance in the likelihood that the accident was not your fault.
2. How quickly can I get a replacement car?
In London, most suppliers have the ability to provide a temporary substitute vehicle on the same day, at times within hours.
3. How long can I keep the hire car?
It’s yours to retain until your car’s repaired or until your claim’s paid in full.
4. Is a credit hire car the same as a courtesy car?
No. A courtesy car will generally be an economy, stripped-back model that your insurer provides you with, whilst a credit hire car is a like-for-like substitute that’s closer to your own motor.
5. What types of vehicles are available?
They typically have a vast array from small city cars to family SUVs, executive vehicles, and commercial vans, so you’re likely to have a suitable model no matter who you are.
