What Is Credit Hire and How Does It Work in a Non-Fault Claim? | GVE London – Blog

A car accident can throw your whole day off. Even worse when it wasn’t your fault. Your car may be damaged and sitting in a car bodyshop or car accident repair centre, and you still need to get to work, pick up the kids, or just keep life moving. That’s where credit hire comes in.

Credit hire is a service that provides you with a replacement vehicle while your own car is being repaired after a non fault accident claim. The best part? You don’t pay upfront. The cost is recovered from the insurance company of the driver who caused the accident.

Why Credit Hire Exists

Imagine you are involved in a non fault car accident claim. You need a car that matches your lifestyle, not just a small courtesy hatchback. Credit hire allows you to drive a like-for-like replacement without dipping into your savings. It ensures you are not left at a disadvantage because of someone else’s mistake.

How Credit Hire Works Step by Step

I) You report the accident and confirm you were not at fault.

II) A credit hire company or accident management team provides you with a suitable replacement vehicle.

III) Your damaged car goes off to a car accident repair centre or car bodyshop like GVE London for assessment and repair.

IV) The credit hire company sends the bill to the insurer of the at-fault party, they are liable to pay the hire charge here.

V) You can live your day-to-day as usually as no upfront payments need to be made.

The Fine Print

Credit hire rates tend to be higher than standard rental prices since the provider here takes on a risk. If the at-fault insurer delays payments or disputes liability, then its the provider to whom the fingers are pointed. Courts sometimes get involved if insurers argue about whether the hire costs were reasonable.

That’s why it’s important to work with a company that handles everything fairly and keeps you informed throughout. The right team makes the process seamless.

Read Also: Can I Claim for a Replacement Vehicle in a Non-Fault Accident?

Common Concerns People Have

Many drivers worry about the scenario wherein the insurer outright refuses to pay, whilst others aren’t too keen on downgrading and driving a replacement car that’s not of the similar tier as their original. These are all fair concerns and in most cases, as long as the replacement is reasonable and you genuinely need it, the claim does stand. 

If there are disputes, evidence helps. Showing that you used the car daily for work or family needs is usually enough to support the claim.

How to Claim Non Fault Accident Support Without Stress

This is where professional help makes all the difference. Instead of chasing insurers yourself, you can let experts step in. At GVE London, our non-fault accident claim management service takes care of the entire process. We arrange the replacement car, manage repairs at a trusted car bodyshop, and deal with insurers on your behalf. 

Conclusion

Credit hire is a practical solution after a non fault accident claim. It puts you back on the road quickly, covers the cost through the at-fault insurer, and ensures your life carries on without extra stress. While the process can sometimes involve disputes over costs, choosing the right support team makes a huge difference. At GVE London, our Non-Fault Accident Claim Management service keeps things simple. From arranging your hire car to managing the repair and handling the insurers and service to detailing and customs, we make sure your car feels as good as new and your claim is taken care of from start to finish.