Credit Hire Service
Connect with our skilled team to access seamless service. We’re here to help you assess your non-fault accident damage, facilitate your claim, and handle all settlements, ensuring you receive the compensation you deserve. Let us assist you in getting your vehicle back on the road quickly and efficiently.
What is Credit Hire?
Credit hire services are provided to the drivers of non-fault accidents by accident management and credit repair and hire companies in the UK to the consumers claiming on their insurance policy after an accident. The accident management companies provide like-to-like comparable vehicles according to the customer requirements while the vehicles are repaired from the appointed garages. There is no payment or excess to pay as an upfront.
When the hire period ends, we will try to recover the hire and repair costs from the insurer of the driver who was responsible for the accident. If the faulty driver’s insurance company admits liability and agrees to pay the hire and repair cost mentioned in the agreement is recovered. The accident management companies do not pay anything and not even the consumer recover all the cost. However, it’s not guaranteed that third-party insurance will pay all the costs.
If the liability is in dispute and the insurance company refuses to pay, they think the policyholder is not responsible for the road accident, then the cost will be paid by your insurance company. The third-party can dispute liability for many reasons: the policyholder was not in the country, the vehicle was sold before the accident or their mistaken identity.
24/7 claim assistance
Standard Vehicles
No cost to you
Comparable car in 2 hours
Benefits of Using a Credit Hire Company
Most of the individuals think that the insurance companies are the first to contact after an accident. After a non-fault accident, insurance is not the best choice to make a claim. The role of the insurance companies is to sell insurance and manage claims against their insurance policies and not to handle non-fault accident claims against the other insurance companies.
- Protected claims bonus
- No excess to insurance
- Like to like replacement vehicle
- Avoid your insurance premium
- Professional support and guidance
- 24/7 customer support
- Regular updates as the claim progresses
Role of an Accident Management Company
The role of an accident management company is to provide replacement vehicles and to handle all the aspects of the claim after the accident. The service also includes communication with insurance companies, coordination with vehicle repair garages, and offering legal support and guidance.
Why not choose your insurance to process a Claim
- Increase in Insurance Premium
- Effect on no-claims bonus
- Insurance Excess fee
- Limited Replacement vehicles if mentioned in the policy
The insurance companies sometimes refer the claim to an accident management company to accident management companies to charge a fee. This means that the claim will be transferred to accident management companies that prioritize the insurance volume and do not provide quality services.
The credit hire organizations also provide credit repair services, where they will arrange and pay for your vehicle to be repaired and again claim back from the at-fault party’s insurer. They will arrange a hire vehicle for you by the time your vehicle is repaired.The hire vehicle is similar to your vehicle or equivalent to your vehicle and also arrange credit repair in many cases according to the terms and conditions.
The accident management company takes care of the whole claims process, from recovery of your vehicle, provision of hire vehicle, vehicle repairs process and communicating with parties involved until they return your vehicle after repairs. In case of a total loss vehicle, they will pay you for the vehicle according to its market value.
Total Loss Vehicles
If the vehicle involved in an accident and is declared total loss, we will instruct the engineers for vehicle valuation and agree a cost for the vehicle to settle the claim. For a total loss vehicle, the market value of the vehicle will be considered. You will be paid by the insurance company of the at fault driver according to the market value of the vehicle.
Problems while dealing with Credit Hire Claims
Sometimes, credit hire and repair claims are complex and difficult to handle. The reasons can be consumer legislation changes, technical allegations, or mitigation of losses requiring the legal services of a solicitor who specializes in the relevant field. The credit hire claims can sometimes be complicated, with insurance companies raising legal issues such as credit hire agreements.
Credit hire claims are difficult to settle, and insurance companies raise allegations to reduce the cost and hire period so they can compensate and settle. We understand how important it is that our customers get a hire vehicle within 24 hours after the accident. They need to hire vehicles to continue with their day-to-day living and earn without any inconvenience.
Why Accident Claims Assist for a Courtesy Car?
Accident Claims Assist is London’s premier accident claim management and credit hire company. Not only do we provide claim management solutions, but other companies and fleet businesses can also rely on us to hire credit services for their non-faulty parties. We’ll not charge for anything from you, as the faulty party insurer will pay for everything.
Why Choose Accident Claims Assist
Accident Claims Assist is a leading accident management company in the UK that specializes in dealing with credit hire and repair claims. Our technical knowledge and expertise allow us to maintain and provide legal advice. Our experienced team of claims handlers and solicitors with more than 10 years of experience in road traffic accident claims to handle and settle a claim successfully. We will not charge you for the credit hire services and will recover it from the faulty party insurance company.
- Availability of credit hire vehicle within 24 hours
- Claims bonus will not be affected
- You will pay no cost
- No insurance excess
- Professional managed claims process
- Fully Regulated
- No Hidden costs or charges
- 24/7 Roadside Assistance
- Quick Response
- What happens if the insurer refuses to pay?
We need to speak to a solicitor who specialize in this field when the insurance company of the at fault driver refuses to pay for vehicle hire and repairs cost. We will pass the claim to the solicitors to act on our behalf, they will contact he faulty drivers’ insurance company for the compensation.
- Why You Shouldn’t Contact Your Insurer First!
After an accident if you go to your insurance company you will not get all the services if not mentioned in your insurance policy.If you report the accident to your insurance or are looking to claim your insurance company, the premium may increase, and your no-claims bonus will be affected even if the accident was not your fault. The vehicle repairs through your insurance are not quality and are not guaranteed, and they can use recycled parts that are not the manufacturer’s part.
The insurers will recover the cost from the faulty party insurance but not always. Your insurance will be affected if your insurers pay on your behalf. Your claims bonus will be affected. So, we need to contact the accident management company to handle the claim professionally and in a legal way. They will recover the cost from the faulty party and you do not have to pay anything.
- Untouched No-Claim Bonus
Unlike your insurer, you can keep your no-claim bonus untouched if you proceed with your claim with an accident claim management company.
Vehicle Fleet
Courtesy Cars vs Credit Hire
There can be many differences between a courtesy and a hire vehicle. A courtesy vehicle is a standard vehicle provided by a garage short term while they repair your vehicle.
There can be many advantages and disadvantages, such as
- If you drive a prestige vehicle you may be provided with a basic vehicle
- Limited period to use a courtesy vehicle
- You will get a courtesy car with the repairs approved by your insurance
Benefits of Credit Hire
- We need to claim on our motor vehicle policy
- We will get a similar vehicle to our vehicle
- You will get a hire vehicle within 24 hours of the accident
- You can keep the vehicle until the repair process is completed.
- In the case of a total loss vehicle, you will get a cheque according to the vehicle’s market value.
What is the Car Repairs process in a Non-Fault Accident Claim?
The public roads are, as the name can direct you to imagine, public. Everyone with a valid driving license can drive on these roads, and many times, those without a driving license can also be found here. The roads are dangerous; sometimes, you are doing everything right, yet you find yourself involved in a non-fault accident.
What is a Without Prejudice or WOP payment?
Verbal and oral interactions between parties involved who are making genuine efforts to resolve a dispute are often called without prejudice. The without prejudice rule is to motivate settlement discussions without parties weakening their position in the dispute.
If prejudice applies, individuals can communicate and write openly without fear that what they are saying may be used against them in court proceedings.
An insurance company may choose to deal with your claim without prejudice or WOP basis. This means they will agree to deal with your claim in order to save the costs of the claim but without liability admission. In claims dealt with on a WOP basis, the liability is not admitted by the other party, even if they are looking to come up with an offer to settle the claim.
When Will My Vehicle Repairs Start After an Accident?
Experiencing a road accident can be a frustrating and shattering event. One of the main concerns for many individuals is thinking about when their vehicle repairs will start. Understanding the duration for repairs can be significantly less intense and help you make well-informed decisions.
Understanding the Road Accident Aftermath
The moment after an accident can be confusing. Once you have ensured everyone is safe and reported the accident to the insurance, your next step is estimating your vehicle's damage. However, before the repairs can start, several steps need to be taken.
What is the Car Repairs process in a Fault Accident Claim?
In the unlucky event of a road traffic accident, understanding how to handle the process of getting your vehicle repaired can be unsettling. If you are declared at fault, it's necessary to know what your duties are, how to manage vehicle repairs, and what costs you can expect. We will have a clear process for vehicle repairs in an at-fault accident compensation claim.
Credit Repair Funding & How this works?
What is Credit repair?
Credit repair is a process offered by claims or accident management companies to make life easier.
An accident claim management company offers a credit repair facility if your vehicle has been damaged during a non-fault accident.
Most of us depend on our vehicles to go about our daily activities; having a vehicle damaged can instantly affect our lives and other activities. What will you do while you wait for the vehicle repair?
If your vehicle has been damaged during a road accident that was not your fault, the entire process can be time-consuming and stressful. What are you going to do without your vehicle? That is where credit hire and credit repair jump in.
Can I Get my Vehicle Repaired myself After an Accident?
If you’ve been involved in a road traffic accident and your vehicle has been damaged, you no doubt want it to get back on the road as soon as possible. If you have the skills and experience, then that can involve carrying out the repairs yourself. There is nothing by law that states you cannot undertake your vehicle repairs, but you may check your insurance policy before you make the final decision.
Yes, you can get your vehicle repaired by yourself after an accident, but it's not recommended unless the vehicle damage is very minor. You have the necessary experience and tools, as doing so could affect your insurance claim, potentially void your warranty, and leave you responsible for any improper vehicle repairs that could cause safety issues.
How Long Will My Vehicle Repairs Take?
In the UK, vehicle repair duration can differ widely depending on the nature of damages, ranging from an hour’s minor repairs to several weeks for major issues like engine work or significant body damage; most vehicle repairs can be finished within 2-3 weeks, with factors like part availability and the garage's work capacity affecting the timeframe significantly.
There's no legal period or time limit for keeping your vehicle. Sometimes, vehicle repairs might take longer, and your repairer should inform you why and how long they expect to take. This may be because of the complexity of the source parts.
Do I Have to Pay Excess for Vehicle Repairs?
What is excess in vehicle insurance?
In the world of Vehicle insurance policy, the term excess refers to the upfront cost you’re liable to pay when making a claim, irrespective of who was at fault at the time of the accident. This sum is a predetermined sum set out in your insurance policy and is essentially a means of sharing the risk between you and the insurance company.
There are two types of excess:
- Compulsory Excess: This is a fixed cost set by your insurance based on the risk they consider you to pose like age, driving history, type of vehicle, etc.
- Voluntary Excess: This is a sum you choose to pay in addition to the compulsory excess amount. Opting for a higher voluntary excess can reduce your insurance premium, but it also means you will pay more if you make a claim.
Accident Claims Assist is available 24/7 to assist with courtesy car hire for your claim or fleet management businesses.
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