Credit Hire Vehicle
Credit Hire Company UK – Royal Claims
Fast, Fully Insured Credit Hire Vehicles After a Non-Fault Accident
Looking for a reliable credit hire company near me? Royal Claims specialises in providing modern credit hire replacement cars at no upfront cost when the accident was not your fault. We operate nationwide, with particularly fast service across Birmingham, the West Midlands and surrounding areas.
What is Credit Hire and How Does It Work?
Credit hire allows you to rent a like-for-like or comparable credit hire vehicle while your own car is being repaired after a non-fault accident. The cost is deferred (credited) and claimed directly from the at-fault insurer, meaning you normally pay nothing upfront or out of pocket.
Unlike standard hire companies, reputable credit hire companies such as Royal Claims work on a fully insured basis and handle the recovery process on your behalf.
Who Can Use a Credit Hire Replacement Car?
- • You were not at fault for the accident
- • Your own vehicle is undriveable or unsafe
- • You need a car for essential daily use (work, school runs, medical appointments)
Why Choose Royal Claims as Your Credit Hire Company?
Modern & Well-Maintained Fleet
From compact hatchbacks to executive saloons, SUVs and people carriers – we aim to match or exceed your own vehicle.
No Upfront Payment
Our credit hire vehicles are provided on a fully deferred basis with direct billing to the third-party insurer.
Fast Same-Day Delivery (Birmingham & Midlands)
Many customers in the West Midlands receive their credit hire replacement car within hours.
24/7 Claims Support
Our dedicated team is available around the clock to answer questions and progress your claim.
Credit Hire Company Near Me – Local & National Coverage
Although we are based in Birmingham, Royal Claims regularly supplies credit hire vehicles throughout the UK. Popular local search terms we help with include:
- credit hire company Birmingham
- credit hire company near me
- credit hire Wolverhampton
- credit hire Coventry
- credit hire Walsall
- credit hire Solihull
How Long Can I Keep the Credit Hire Vehicle?
You are generally entitled to a credit hire replacement car for the reasonable period of loss of use. This is usually the time your own vehicle is being repaired or, in total loss cases, until settlement is agreed and you receive funds for a replacement.
Our experienced claims handlers work to minimise delays and keep your hire period within what the courts consider reasonable (following the principles set out in Diesel v Allianz and subsequent cases).
Frequently Asked Questions
Do I need to pay anything upfront?
No – provided you were not at fault and liability is clear or likely to be admitted.
What documents do you need?
Typically: accident details, insurance details of the at-fault party, your driving licence, and proof of entitlement to drive the replacement vehicle.
Can I choose the type of car?
Yes, we aim to supply a comparable credit hire vehicle to your own (group/class matching).
Related services: Personal Injury Claims |
Private Hire Replacements
External resources: Citizens Advice – After an Accident
What is a Credit Hire Company?
A credit hire company provides a replacement vehicle to a driver after an accident that was not their fault. Instead of paying for the rental upfront, the hire charges are recovered directly from the at-fault driver's insurance company at a later date.
Key Benefits
- Like-for-Like Replacement: Unlike standard "courtesy cars," you receive a vehicle of a similar standard and size to your own.
- No Upfront Costs: The service is provided on a credit basis, meaning no immediate impact on your bank account.
- End-to-End Support: Many providers offer full accident management, including vehicle repairs and legal assistance.
Important Risks & Considerations
While convenient, credit hire agreements are legally binding contracts. It is essential to understand the following before signing:
- Liability: If the claim is unsuccessful or the other driver is uninsured, you may technically be liable for the costs.
- Duty to Mitigate: You must prove that you needed the replacement vehicle and that you could not afford to hire one through your own funds (impecuniosity).
- Court Proceedings: You may be required to provide financial documents or attend court if the at-fault insurer disputes the hire rates.
Useful Resources
If you are considering using these services, check the The Credit Hire Organisation (CHO) Directory to find accredited members.
