Experiencing a car accident is stressful enough without the added worry of being left without a vehicle. Whether you need a car to get to work, run errands, or simply stay mobile, hiring a car after an accident can be essential. However, it’s equally important to keep costs under control.
This guide provides practical tips on hiring a car after an accident in the UK without overspending, ensuring you stay on the road while navigating the repair process. Additionally, National Claims can help connect you with trusted services for both car hire and repairs, making the entire experience smoother and more manageable.
Step 1: Check Your Insurance Policy
Before rushing to hire a car, check the terms of your car insurance policy. Many comprehensive policies include coverage for a courtesy car if your vehicle is being repaired. However, the type of courtesy car and the duration of its availability may vary:
- Like-for-Like Vehicles: Some policies offer a replacement car similar to yours, which is particularly useful if you rely on a larger vehicle or one with specific features.
- Basic Models: Others may only provide a small, standard car.
If courtesy car cover isn’t included in your policy, you may need to arrange a hire car independently.
Step 2: Understand Your Legal Rights
If the accident wasn’t your fault, you may be entitled to a hire car at no cost to you. Under UK law, the at-fault driver’s insurer is typically responsible for covering the cost of a replacement vehicle for the non-fault party.
This is where National Claims can assist. Their team works with experienced hire and repair providers, ensuring you receive a suitable replacement car without the hassle of navigating legalities on your own.
Step 3: Explore Affordable Car Hire Options
If you need to hire a car independently, follow these tips to keep costs low:
- Compare Prices: Use comparison websites like Confused.com or CompareTheMarket to find the best rates on car hire.
- Book in Advance: Booking early often results in lower prices and better availability.
- Consider Smaller Models: Compact cars are typically more affordable to hire than larger vehicles.
- Check for Discounts: Look for promotional codes or special offers on hire car company websites.
Step 4: Avoid Hidden Costs
When hiring a car, be mindful of additional fees that can quickly add up:
- Excess Charges: Many hire companies impose a high excess fee in case of damage. You can purchase excess insurance from a third-party provider to save money.
- Fuel Policies: Opt for a “full-to-full” fuel policy to avoid inflated refuelling charges.
- Mileage Limits: Check if there’s a mileage cap, as exceeding it could lead to extra charges.
Carefully read the terms and conditions to ensure there are no surprises when you return the car.
Step 5: Hire Through an Accident Management Company
If the accident wasn’t your fault, an accident management company can arrange a hire car on your behalf. These companies deal directly with the at-fault driver’s insurer, ensuring you receive a like-for-like replacement vehicle without paying upfront.
National Claims is an excellent resource in this regard. They work with reputable accident management services that can provide you with a hire car while your vehicle is being repaired. Additionally, they’ll assist with coordinating repairs, taking the stress out of the process.
Step 6: Know the Timeline for Repairs
The length of time you’ll need a hire car depends on how long it takes to repair your vehicle. Typical repair timelines include:
- Minor Repairs: 1–2 weeks for scratches, dents, or minor paintwork.
- Moderate Repairs: 2–4 weeks for more significant bodywork or mechanical issues.
- Major Repairs: Several weeks or months for extensive damage or if parts need to be ordered.
Accident management companies, including those partnered with National Claims, can ensure your hire car is available for the entire repair period.
Step 7: Use a Trusted Repair Service
To minimise delays and additional costs, choose a trusted repair service for your car. Insurers often recommend approved garages, but you have the right to select your own repair centre if you prefer.
National Claims can connect you with reputable repair providers who prioritise quality and efficiency, ensuring your vehicle is restored to its original condition as quickly as possible.
Step 8: Return the Hire Car on Time
Returning the hire car on time is essential to avoid extra charges. Make sure you:
- Refuel the car if required by your agreement.
- Check for any damage before handing it back to avoid disputes.
- Keep a copy of your rental agreement for reference.
Why Choose National Claims?
Navigating the aftermath of a car accident can be overwhelming, especially when it comes to hiring a car and arranging repairs. National Claims simplifies this process by connecting you with trusted hire and repair services.
Their team ensures you receive a replacement vehicle suited to your needs, handles communication with insurers, and coordinates repairs to minimise disruption to your daily life.
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Final Thoughts
Hiring a car after an accident doesn’t have to break the bank. By understanding your options, avoiding hidden costs, and working with experts like National Claims, you can stay mobile and stress-free while your car is being repaired.
If you’ve been in a car accident and need assistance, contact National Claims today. Their experienced team is ready to help you with car hire, repairs, and claims, making the process as smooth as possible.
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Excellent
This firm is excellent, they sorted out my car pay out and injury claim very fast, they always communicate with you all the time.
My accident case was dealt with confidence and with great result of the outcome, especially James kept me informed all the time.
I was very impressed at the way my inquiry was treated. I was listened to attentively and everything I needed to know was explained to me.
