A comparable replacement vehicle while yours is off the road

If your vehicle is off the road after an accident that wasn’t your fault, we can help check whether a comparable replacement can be arranged, where you’re eligible.

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What “comparable” means

Comparable means a vehicle that reasonably meets your needs – similar in type, size and use. It isn’t automatically the same make or model. Read what a comparable replacement vehicle is.

Who may be eligible

Usually drivers whose vehicle is off the road after an accident caused by someone else, who need a vehicle and don’t have reasonable access to another one. We’ll ask a few questions to check.

How quickly?

Where available, we aim to arrange a vehicle as soon as we can. We won’t promise timescales we can’t keep.

Your responsibilities during a hire

You’ll need to look after the vehicle, keep to the hire terms and let us know when your own vehicle is ready. We’ll explain the terms in plain English before anything is arranged.

Cars, vans, taxis and bikes

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FAQs

Can I get a replacement car after a non-fault accident?

If your vehicle is off the road because of an accident that wasn’t your fault, we can help check whether a comparable replacement vehicle can be arranged while yours is repaired, or while a write-off is settled. It depends on things like who was at fault, your need for a vehicle, and availability. We’ll explain how it works, including the hire agreement and your responsibilities, before anything is arranged.

Replacement vehicles

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What does “comparable replacement vehicle” mean?

A comparable replacement is a vehicle that reasonably meets the needs your own vehicle met: similar in type, size and use. It won’t always be the same make or model. For example, a family estate might be replaced with a similar-sized estate, or a works van with a suitable van. Our fleet includes everyday cars, prestige models, SUVs, vans and pick-ups. Exactly what’s provided depends on your needs and what’s available.

Comparable replacement vehicles explained

What’s the difference between a courtesy car and a replacement vehicle?

A courtesy car is usually provided under your own insurance policy or by a garage, often as a small, basic car while repairs are done. Some policies don’t include one, or only provide it while your car is at an approved repairer. A replacement vehicle arranged through a non-fault claim aims to be comparable to your own and is claimed from the at-fault insurer. Check your policy to see what it includes.

Courtesy car or replacement vehicle?

How long can I keep the replacement vehicle?

Generally, a replacement vehicle is for the period your own vehicle is genuinely off the road because of the accident – until repairs are finished or, if it’s written off, until the claim is settled. The hire needs to be reasonable in length, so it ends when the need ends. We’ll keep you updated and explain the return arrangements for your situation.

Replacement vehicles

Can I get a replacement van or a bigger vehicle?

If you need a van, pick-up or larger vehicle, for example for work or a big family, tell us. Our fleet includes Ford Custom and Transit vans and a Fiat pick-up, as well as cars and SUVs. Whether one can be arranged depends on your circumstances, what you were driving before, and availability at the time. Let us know about any special requirements, such as towing or racking, so we can check what’s suitable.

Vehicles in our fleet

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