Credit Hire Claims
Think you have a credit hire claim? Speak to our solicitors who can advise you and help you recover costs.
Got A Credit Hire Claim? Contact Baker Hardman Solicitors
Credit Hire is when you can hire a replacement vehicle following an accident that was not your fault.
If you suffered from a road traffic accident, and it wasn’t your fault there are a couple of road traffic accident claims you can make:
You can directly contact the other driver’s insurance company to begin a claim or find and contact a Credit Hire Company to process a dedicated non-fault claim.
If you’ve been in a road traffic accident and need a replacement vehicle while your vehicle is being repaired, but don’t have the funds to cover the repairs or replacement costs. A credit hire company can provide you with a hire car at no cost to you. They can also with help with recovering the cost of the hire from the other driver who was at fault for the accident.
Not sure if you have a claim? Speak to our solicitors about Credit Hire Claims for advice and to recover costs.
Making a claim with a Credit Hire Company or with your Own Insurance Company What’s Best?
It’s best to check your agreement with a Credit Hire company, as most work on work on a no-win, no-fee basis. If this is the case, they will charge you the costs if they can recover costs from the at-fault driver’s insurance company.
Claiming on your insurance policy can have an impact on your ‘no-claims bonus and also increase your insurance premiums. Sometimes they may decide not to cover your expenses or limit the amount they’re willing to pay out. You may also need to check your insurance policy for the following:
- When you make a claim. You may need to pay excess fees.
- When the accident was not your fault. Claiming through a Credit Hire Company is a better option.
Still not sure about Credit Hire claims? Speak to our solicitors for advice and to get help with your claim.
How Can We Help You With Your Claim?
Our solicitors are specialists in managing all aspects of your claim, they can assist you with the following:
We can make the process easier by introducing you to Credit Hire Companies we are in regular contact. That can help get you a replacement vehicle on the same day.
Liaise with the credit hire company on your behalf to recover all Credit Hire costs and charges from the at-fault driver’s insurance.
Our solicitors can also assist with other claims associated with road traffic accident claims, such as personal injury, recovery claims, etc.
How We Handle Your Case
When you choose to work with Baker Hardman you can be assured you’re getting the best legal support you can. We treat every case with the care and attention it needs and do our very best to support you through whichever legal issue you’re facing.
Why Choose Baker Hardman for Claim Hire Help?
With Baker Hardman Solicitors, you can expect clear and transparent communication at every stage of the legal process. We’ll provide comprehensive analysis and develop a strategy tailored to your specific case, representing you diligently in negotiations, settlement discussions and courtroom litigation when needed. You’ll receive timely updates on your case progress and potential outcomes throughout. We’re deeply committed to your success and work tirelessly to resolve disputes efficiently and effectively. If you’d like to discuss a potential claim, get in touch with us today.
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Got A Question About Credit Hire Claims?
Credit hire refers to the temporary provision of a replacement vehicle after an accident when the fault lies with another party. The cost of the hire is deferred and recovered later from the at-fault party’s insurer.
You may be eligible if:
- The accident was not your fault
- Your own vehicle is undriveable or being repaired
- You require a temporary replacement vehicle
- You were not offered a suitable vehicle by your own insurer
A hire company provides you with a vehicle without immediate payment. You sign a credit hire agreement, and your solicitor will seek to recover the hire charges from the at-fault party’s insurer.
No, if you are using a credit hire agreement. The hire charges are deferred and usually paid by the at-fault driver’s insurer—provided your claim is successful.
You are entitled to use the replacement vehicle until:
- Your own car is repaired
- Your vehicle is declared a write-off and a settlement is paid
- A reasonable replacement is arranged
If the at-fault insurer disputes liability or the hire period, we will present evidence (repair timelines, need for the vehicle, your financial situation) and, if needed, issue court proceedings to recover your costs.
Yes. You are entitled to a vehicle similar in size and specification to your own. We ensure the hire company provides a suitable match, including for taxis, commercial vehicles, or prestige cars.
No. The hire claim is made separately from your own insurance and is pursued directly against the other party’s insurer. It should not impact your no-claims discount.
Credit hire is especially helpful in these circumstances. Courts recognise that financially vulnerable individuals should not be penalised for hiring on credit if they can’t afford upfront costs.
We specialise in recovering credit hire charges quickly and efficiently. Our team has in-depth experience negotiating with insurers, overcoming liability disputes, and ensuring our clients face no unexpected costs. We also coordinate closely with trusted credit hire providers.