What is Credit Hire and Credit Repair? – Comprehensive Guide

Hassanbro560
September 25, 2024
Insurance & Compensation Strategies, Recovery & Support After an Accident

Have you ever been involved in a non-fault accident? If yes, you’ll be familiar with the terms, credit hire and credit hire. If you don’t know “what is credit hire?”, explore the details and insights about credit hire and credit repair in this blog. There are several ways to file a claim after a non-fault accident.

However, the best way to proceed is to contact a professional accident claim management company. The best part of hiring an accident claim management company is their credit hire facility.
You can also claim your non-fault accident with your insurer.

However, credit hire is not guaranteed if you proceed with your claim through your insurer. But you can request a temporary replacement vehicle from your insurer. Let’s explore the details about credit hire and repair to make your non-fault accident aftermath bearable with maximum facilitation:

What is Credit Hire?

Credit hire is a facility offered by a professional and reliable accident claim management company. However, you will only be entitled to credit hire if you are a non-faulty. A claim management company offers a like-for-like vehicle replacement to the non-faulty driver under their credit hire service.

The best part of credit hire is that the non-faulty doesn’t need to pay for anything. The accident claim management company will recover the entire cost, including compensation from the faulty party’s insurer. The non-faulty driver must return the credit hire vehicle to the company after the time limit has expired.

However, the faulty party may not agree to pay the compensation. That’s why you need to prove yourself not at fault if you want to win the claim compensation and let the faulty party’s insurer pay all costs, including credit hire.

What is Credit Repair?

An accident claim management company also offers credit repair services if your car has been damaged severely during a non-fault accident. Under these services, the AMC (Accident Management Company) provides you with a list of approved garages to get your damaged car repaired. When you choose an AMC for credit repair, you are not bound to get vehicle accident repairs only from the suggested garages.

You can get your car repaired from any garage of your choice and claim the cost from the faulty party’s insurer through the accident management company. Don’t worry; you don’t need to pay for the repair, as the AMC will recover the cost from the faulty party’s insurer. The primary purpose of credit repair or credit hire is to make your life easier after an accident that wasn’t your fault.

The best part of credit repair is that you don’t need to claim your insurer. This way, you can keep your no-claim bonuses unaffected. Moreover, you don’t need to pay insurance excess if you claim your non-fault accident with an AMC rather than your insurer.

What to Look at Before Credit Hire & Repair?

When you choose an accident management company to proceed with your claim, credit hire or credit repair, they first listen to your case carefully. So they can identify who was at fault. A professional AMC must conduct the details and proceed with the case under regional laws and regulations.

So, when you approach an accident management company for credit hire & repair, they will ask for the following details or evidence;

Do I Need to Make a Claim to Get Credit Hire Service?

You don’t need to claim if you contact Continental Car Hire in the UK for credit hire. However, you can entirely rely on CCH to claim after a non-fault accident. If you choose your insurer to make a claim, they might also refer you to an independent claim management company even without informing you.

After a non-fault accident, contacting an independent and well-reputed accident claim management company is ideal. The best part is that the credit hire through an AMC doesn’t affect your motor insurance policy.

What are the Risks of Credit Hire & Repair?

Even if you are unhappy after using the credit hire and repair services independently and separately from your insurer, there might be several reasons. Even though credit hire and repair services are ideal to consider after a non-fault accident, these services also come with a lot of risks and precautions.

Let’s take a look at a few risks involved in credit hire & repair services:

If you have a problem related to credit hire and credit repair, you must solve it alone, as you will not get your insurer's support.
You’ll be responsible for all consequences, if any, as you dealt outside or without informing your insurance policy provider.
If you fail to prove the other party was at fault, you will not get anything from the faulty party’s insurer.
You must pay for the entire credit hire and repair costs if proven faulty.

Before considering credit hire and repair services after an accident, ensure the need for this service so you can save yourself from future risks and issues.

Why Shouldn’t I Contact My Insurer After an Accident?

Don’t turn a non-fault accident into a nightmare by contacting your insurance provider! No doubt, insurance policies and covers are for your protection. But sometimes, going directly to your insurer might affect your premiums and no-claim bonuses. So, going to your insurer is only sometimes ideal.

No doubt, insurance companies also offer courtesy cars after a non-fault accident. However, you’ll be entitled to courtesy cars for a short period. Even if you claim a non-fault accident with your insurer, it will increase your insurance premiums and affect no-claim bonuses.

You’ll likely get your car repaired from the insurer’s approved garages. Your insurer will also not guarantee quality repairs for your damaged car. Remember, if your insurer pays entirely for the damages and other costs, he might break out or be affected poorly.

Put the Things Right With Continental Car Hire!

There is no need to pay your insurer anything over a courtesy car after an accident when CCH is here. Contact Continental Car Hire for hassle-free credit hire and repair services in the UK. Not only for credit hire & repair services, but you can rely on CCH to make a non-fault accident claim and win the maximum compensation.

We completely understand what you feel and experience, especially after a non-fault accident. That’s why we are always there to get your back in making a claim, credit hire and repairs.