Getting into a car accident is stressful enough, right? The last thing you want is being stuck without a car while your insurance claim gets sorted. Let me walk you through how car hire works during an insurance claim in the UK — in plain English, without confusing jargon.
Why You Might Need a Hire Car
Imagine this: your car gets damaged on a Monday morning. You still have work, kids’ school runs, groceries to haul. You can’t just sit around waiting for repairs. That’s where a credit hire car comes in.
A buddy of mine had his rear bumper smashed. He couldn’t get to work. His insurer arranged a hire car almost immediately. Stress saved.
Your Rights During a Car Hire Claim
In the UK, if the accident wasn’t your fault, you’re usually entitled to a replacement vehicle while your car is being repaired. Here’s what to know:
The at-fault driver’s insurer often covers the hire costs.
You can choose a car similar to yours — not a sports car, but not a tiny hatchback if your car is bigger.
The hire period is usually until repairs are finished or a settlement is reached.
Tip: Always read the small print. Some insurers limit hire duration or car type.
How to Arrange a Hire Car
Contact your insurer – ask if they provide a courtesy car.
Credit hire company – sometimes you can go through an independent company if your insurer delays.
Book in advance – popular hire companies can get busy, especially during holidays.
A friend of mine once tried to sort a car last minute — ended up with a tiny economy car while his SUV was being repaired. Lesson: call early.
Costs You Might Face
If the accident isn’t your fault, ideally you pay nothing. But:
Using an insurer-approved hire car avoids extra fees.
Independent hires might charge upfront; you claim later.
Always check fuel policy — some charge for full-to-full, some for mileage.
Things to Watch Out For
Damage charges: Take photos when you get the hire car. Don’t get stuck paying for scratches that weren’t yours.
Insurance cover: Some policies require you to extend your insurance to the hire car.
Excess: Ask if there’s a deposit or excess to pay upfront.
Real-Life Tips
Keep a checklist of hire car condition when you collect it.
Don’t use a tiny car for long family trips if your car was bigger — you might struggle with space.
Ask the repair garage how long your car will take — avoids unnecessary hire days.
Where to Find Help
Some reliable UK resources:
Trade London Motorsports
Dev.to London Motorsport
They often have guides and contact info for hire cars and insurance tips.
Final Thoughts
Sorting a car hire during an insurance claim in the UK doesn’t have to be stressful. Know your rights, plan ahead, and pick a car that actually works for your day-to-day needs. A little prep goes a long way.