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What is a courtesy car?
A courtesy car, also known as a “run-around” vehicle, is often provided as a temporary substitute for your vehicle. It is provided after the authorisation of vehicle repair. Moreover this car is only provided when you are at fault for an accident. You may not be aware but this an additional service, that you have paid for. You will avail like for like replacement when it is not your fault in the accident.
What is a like for like replacement?
A credit hire vehicle, also known as a like for like replacement is provided to you in non fault accident. It is provided on a credit basis as you are at a loss. The insurer receives charges of vehicle as they have to make payment. The credit element exists because the insurer can take time to pay the invoice.
What are the disadvantages of a courtesy car?
The vehicle replacement insurance works differently for courtesy car. If the insurer feels your vehicle is a total loss or write-off based on the description you provide to them at the time of reporting your claim, they will refuse to provide you with a courtesy car, leaving you inconvenienced and without a vehicle until you receive the funds to purchase another vehicle.
Moreover, having a high-end vehicle does not mean you will receive a like for like replacement. The car you receive is usually at the discretion of the insurer-approved repairer as instructed by the insurance company to deal with your vehicle damages. For example, you are a financial advisor who often visits their clients for existing and new business, you drive a BMW 3 series which is under 6 years old, you will be provided with a standard hatchback vehicle and this vehicle will be plastered with the body shop information and will be labelled as a courtesy car. Not a very nice image.
In some cases, you may not receive a courtesy car at all due to the unavailability of vehicle.
Credit-hire vehicles and the benefits – Hammonds fleet care
A non-fault accident will get you a replacement from Hammonds Fleet Care. We provide same day vehicle replacement. We care for our clients, ensuring you are not left without a vehicle at any point. Our replacement vehicles are maintained to a high standard to guarantee. Our clients experience no issues while using them. We provide with a like for like replacement vehicle to eliminate any inconvenience after an accident.
We are nationally recognised for our ability to provide the perfect and hassle -free process for like for like replacement vehicle for all of our clients. At Hammonds Fleet Care, all vehicles are less than 6 months old, guaranteeing comfort, reliability and luxury.
Replacement vehicle is a good option in non fault accidents. The like for like option is successful until you received your vehicle repaired and delivered to you. In the event that your vehicle is written off, you will have access to the credit hire vehicle for an additional 7 days from when your settlement is received. This ensures you have the funds and time to purchase a new vehicle and make arrangements.
Unfortunately, receiving a courtesy car from the insurer following an accident that is not your fault is not always straightforward. Your entitlement to a non-fault courtesy car varies based on the insurer’s policy terms and at times can be left without a vehicle.
This is one of the reasons why choosing Hammonds Fleet Care to deal with your non fault accident is a better alternative to going through your own insurer. Call us now on 0800 009 6481 to start your vehicle claim and experience the difference with our award-winning claims management services
FAQs
What is a like for like replacement?
A like for like replacement vehicle is when you were involved in a non fault accident and you need to get vehicle repair. However, the while your vehicle is repaired at Hammonds Fleet Care, we provide you with another car, same as yours.
