Credit Hire Replacement Vehicles
A like-for-like replacement vehicle after a non-fault accident, delivered to you, with nothing to pay. We recover the cost from the driver who caused it.
A replacement vehicle, the same class as the one you lost, delivered to your home or work and usually available the same day.
You pay nothing. No deposit, no monthly payments, nothing up front. The charges are recovered from the at-fault driver’s insurer.
What you get
Like for like
Estate for estate, van for van, seven seats for seven seats. Not a small courtesy car.
Delivered to you
Brought to your home or workplace at a time that suits, usually the same day.
For as long as you need
Until your vehicle is repaired, or a total loss settlement is agreed and paid.
Fully insured
Insurance arranged and explained before you take the keys.
How it works
One phone call starts everything. You do not need to speak to the other driver’s insurer.
Tell us what happened
A short call to confirm the accident was not your fault and what vehicle you need.
We deliver the vehicle
Matched to what you lost, brought to you, insured and ready to drive.
We recover the cost
The hire charges are claimed from the at-fault driver’s insurer as part of your claim.
What you would normally be charged - and what you pay us
Hiring privately after an accident is expensive, and most people cannot fund weeks of it and then wait months to be reimbursed.
Here is what these charges typically look like against what you pay with us:
| Charge | Typical provider | PTH Claims |
|---|---|---|
| Recovery from the scene | £150 - £350 | FREE |
| Secure storage, per day | £15 - £40 | FREE |
| Replacement vehicle, per day | £40 - £150 | FREE |
| Total cost to you | Often four figures | £0 |
Terms and conditions apply. Typical provider figures are industry ranges and vary by provider, location and circumstances. All claims are subject to identity, fraud and anti-money laundering checks.
With PTH Claims that figure is zero. We carry the cost and recover it from the at-fault driver’s insurer. It never reaches you, and it never depends on how your claim ends.
Off the road right now?
Tell us what you drive and we will tell you what we can get to you, and when.
Why people use us
Nothing to pay
No cost to you, whatever the outcome of your claim.
No claim on your policy
Run against the other driver’s insurer, so no excess and no effect on your no-claims.
One point of contact
We deal with the insurers, the engineer and the compound. You deal with us.
Nationwide, 24/7
Recovery and replacement vehicles arranged anywhere in the UK, day or night.
Be careful accepting the other insurer’s courtesy car on the first phone call. It is usually a small hatchback, and accepting it makes a like-for-like claim much harder to bring later.
Common questions
No. There is no deposit and nothing to pay up front. The charges are recovered from the at-fault driver’s insurer. Terms and conditions apply and we explain them before anything is arranged.
No. There is no borrowing, no interest and no credit agreement in the usual sense. Payment is simply deferred and then recovered from the other side.
Often the same day. Licensed taxi and private hire vehicles can take slightly longer depending on your council’s plating requirements.
It does not automatically stop the hire, but it changes the picture and we will tell you honestly where you stand before anything is arranged.
No. Credit hire is not a lending product and does not depend on your credit rating.
Terms and conditions apply to all services described on this page. Free recovery, storage and replacement vehicles are provided on the basis that the charges are recovered from the at-fault party’s insurer. We will explain the terms in plain English before anything is arranged.
Before we act for you we are required to verify your identity and to carry out fraud and anti-money laundering checks. This may include checks with credit reference and fraud prevention agencies, which will leave a record on your file.
Where fraud is suspected, information may be shared with fraud prevention agencies, insurers and law enforcement. Providing false or misleading information in support of a claim may mean your claim is refused, and can be a criminal offence.