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Request a Credit Hire Company after a non-fault accident.

Credit hire is a straightforward solution for securing a replacement vehicle after an accident that wasn’t your fault.

Table of Contents:

  1. The Importance of Proving Fault
  2. When involved in a non-fault
  3. Quickly resume your daily activities
  4.  No Upfront Costs
  5. After determining the accident wasn’t your fault,
  6. We prioritize your needs
  7. The benefits of choosing Credit Hire
  8. Request a callback

Your Premier Choice for First Contact After an Accident Credit Hire Solutions

When you’re involved in a road traffic accident and it’s not your fault, navigating the claims process can be daunting. You essentially have two main options:

1. Direct communication with your insurer.
2. Potentially quicker initial response.

You might still need to pay your excess upfront. Your premiums may increase, even if you weren’t at fault. Limited choice of repair shops. Possible downgrade in courtesy car quality. Risk of being pressured to settle quickly, possibly for less than you deserve.

When involved in a non-fault road traffic accident, making the most beneficial choice from the start is crucial to ensure minimal disruption and fair compensation. Here’s a comprehensive guide to help you navigate your options effectively

Credit Hire

No Excess to Pay: Avoid paying any excess upfront. Protect Your No Claims Bonus: Your no claims discount remains intact.No Effect on Your Policy: Your insurance policy and premiums are unaffected.Comparable Replacement Vehicle: Get a like-for-like replacement vehicle.Independent Engineers: Repairs are assessed by independent engineers ensuring unbiased evaluation.

Credit Hire

Pay Your Excess: You may need to pay your policy excess upfront. Lose Your No Claims Bonus: Risk losing your no claims discount. Increased Premiums: Your premiums may rise even for a non-fault claim.Standard Courtesy Car: Often limited to a basic courtesy car. Insurance-Approved Repairs: Repairs must be done at insurer-approved shops, possibly compromising on quality.

What is a Credit Hire
Company?

You won’t need to pay for the hire vehicle or repairs yourself. The credit hire company will cover these costs initially and recover them from the at-fault party’s insurance. You will receive a vehicle similar to your own, ensuring minimal disruption to your daily life. Whether you need a standard car, a luxury model, or a specialized vehicle, credit hire companies offer a wide range of options to meet your specific needs. Having a replacement vehicle allows you to continue with your daily activities without interruption. This is especially beneficial if you rely on a vehicle for work, family, or other commitments.

An accident management company is the best choice following a non-fault accident.

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Quickly resume your daily activities with a suitable replacement vehicle.Credit Hire Claims.

One of our advisors will call you back. Or, call us now on 0778 612 8786.
When you’re involved in a non-fault car accident, a Credit Hire Claim allows you to obtain a replacement vehicle through a credit hire company like Elite Accident Management. Here’s how the process works Reach out to a reputable credit hire company such as  Elite Accident Management.They will assess your situation and provide you with a suitable replacement vehicle that meets your needs. The credit hire company delivers a comparable replacement vehicle promptly.This ensures you can continue with your daily activities without disruption, maintaining your mobility.

No Upfront Costs: You receive a replacement vehicle immediately without paying upfront.The CHC covers the costs and seeks reimbursement from the at-fault party's insurer.

Credit Hire companies operate under a no-win, no-fee model, ensuring you incur no costs unless they successfully recover expenses from the at-fault driver’s insurance. This contrasts with traditional insurance claims, where your insurer might deny coverage or impose financial limits post-accident.

Excess Payment: You’ll likely have to pay an excess fee upfront when making the claim, adding to your immediate financial burden. No-Claims Bonus Risk: Initiating a claim against your own policy puts your valuable no-claims bonus at risk, potentially leading to increased future premiums. Premium Increase: There’s a real possibility that your insurance premiums could rise following the claim, even if you were not at fault for the accident.

No Financial Risk Upfront: You incur no upfront costs as the Credit Hire company covers expenses, including vehicle hire and repairs, which are recovered from the at-fault driver’s insurer.

Preservation of No-Claims Bonus: By avoiding a claim on your own insurance policy, you safeguard your valuable no-claims bonus, helping to keep your premiums lower in the future.

Full Compensation: Credit Hire Claims typically result in a higher total claim value. This is due to the added benefits such as comprehensive vehicle hire and the use of manufacturer-approved repair facilities.

Expert Handling: Credit Hire Companies specialize in managing claims efficiently. They handle all aspects, including negotiations with insurers, ensuring you receive fair compensation and optimal service.

Legal Entitlement: You are legally entitled to these benefits if the accident was not your fault, ensuring you receive proper compensation for any inconvenience and losses.

Fee Structure: While Credit Hire Companies charge a fee for their services, this is typically included in the overall claim and doesn’t require upfront payment from you.

Who is entitled to Credit Hire

To file a Credit Hire Claim, you need to demonstrate that the other driver was at fault for the accident. This can be achieved by providing evidence such as:
  • The other driver’s name, address, and contact details
  • The other driver’s insurance policy details
  • Witness statements
  • Photographs of the accident scene
  • The police report (if applicable)
After collecting all the necessary evidence, your next step is to contact a Credit Hire company like Elite Accident Management. They will assist you throughout the process of making a Credit Hire claim. Credit Hire companies can be incredibly helpful whether you’ve experienced a minor or major collision. They alleviate the financial burden of recovering from an accident, protect your no-claims bonus, and help maintain your insurance premiums. Additionally, they significantly reduce the stress associated with dealing with a car accident. Even if you’re uncertain whether your accident qualifies for Credit Hire, we recommend reaching out to us. Our experts will assess your situation and inform you if Credit Hire is a viable option for you.

Financial Relief: Whether the accident is minor or major, a Credit Hire Company helps alleviate the immediate financial burden by providing a replacement vehicle without upfront costs. They handle expenses that are later recovered from the at-fault party’s insurer.

Protection of No-Claims Bonus: By opting for Credit Hire, you protect your valuable no-claims bonus, ensuring it remains intact and unaffected by the accident.

Insurance Premium Stability: Avoid potential increases in insurance premiums that could result from making a claim through your own insurance policy.

After determining the accident wasn't your fault, your initial step is to contact a Credit Hire Company, also known as an Accident Management Company.

Knowing what to do after a car accident can be challenging. If the accident wasn’t your fault, your first step should be to contact a Credit Hire Company (also known as an Accident Management Company). You’ll need to provide basic details about the accident, such as the date and location, as well as any injuries you or your passengers sustained. A dedicated claims handler will then evaluate your situation to determine if you are eligible for credit hire services. If approved, the Credit Hire Company will contact both parties and provide you with a replacement vehicle while your car is being repaired. Rest assured, you won’t need to worry about any expenses during this entire process.
You will be assigned a dedicated claims handler who manages your entire claim. They provide expert advice and guidance, ensuring you are supported every step of the way. Our claims handlers are professionals who understand the intricacies of accident claims. They advocate for your rights and ensure a fair and efficient resolution. Your car’s repair process is closely monitored by your claims handler. They keep you informed with regular updates, providing peace of mind that your vehicle is progressing as expected. Elite Accident Management boasts a robust network of over 400 Accident Repair Centers. These centers are meticulously selected for their adherence to manufacturer-approved repair standards and use of genuine parts.
Having access to a manufacturer-approved repair garage after an accident is crucial. Your insurance company typically offers an ‘insurance-approved’ repair garage, but if your car is still under warranty or is a luxury car, using such garages may void your warranty or cause future issues. Once your vehicle is fully repaired, it will be returned to you. In the meantime, you’ll have access to a replacement vehicle while your car is being repaired. This small detail can make a significant difference after an accident.
We prioritize your needs by ensuring a replacement vehicle is delivered to you on the same working day you contact us. This swift response minimizes any disruption to your daily life caused by the accident. Unlike insurer courtesy cars, which may be delayed or not provided for the full repair duration, our Credit Hire Service guarantees you a comparable or better vehicle for the entire period your car is off the road. Your Credit Hire Claim covers all associated costs and losses, which are claimed back directly from the at-fault driver’s insurance policy. This approach ensures your own insurance policy remains unaffected, safeguarding your premiums and no-claims bonus. Customer-Centric Approach: We prioritize your satisfaction by delivering prompt service and ensuring you have the right vehicle throughout the repair process. Quality Assurance: Our replacement vehicles meet or exceed your specifications, providing comfort and reliability akin to your own vehicle.
A common concern for non-fault drivers is whether a non-fault accident will affect their insurance. By claiming through your own insurance company, you make a claim against your own policy, which can impact your insurance. If you or your passengers were injured in the accident, Elite Accident Management’s panel of specialist personal injury solicitors can help you claim personal injury compensation. Credit Hire was established to provide a fair option for drivers who aren’t at fault. Experiencing time, financial, and vehicle access losses from a situation you didn’t cause is not a fair outcome. If you’d like advice about Credit Hire and the Accident Management Process, or if you want to start your claim with us, speak to our expert team today.

The benefits of choosing Credit Hire after a non-fault accident are substantial and designed to provide you with peace ofmind and convenience

You receive a suitable replacement vehicle promptly, often on the same day of contacting the Credit Hire company. This ensures you remain mobile without any upfront costs. By opting for Credit Hire, you avoid affecting your own insurance policy. This safeguards your no-claims bonus and prevents potential increases in premiums.

You'll receive a replacement vehicle that mirrors the make, model, and specifications of your own car, ensuring seamless continuity in your daily routines without any interruptions.

When you choose a Credit Hire Company, you eliminate the need to pay any insurance policy excess fees, providing peace of mind with zero out-of-pocket expenses.

Using Credit Hire services ensures that your insurance premiums remain unaffected, as there will be no pending claim to impact your renewal rates. This guarantees stability in your insurance costs without any future premium increases due to the accident.

Credit Hire stands as a swift and convenient solution, offering essential support after an accident that wasn't your fault. Its comprehensive benefits seamlessly alleviate the disruptions caused by a road traffic incident, empowering you to prioritize recovery and confidently progress with your daily life.

Credit Hire has evolved significantly since its inception in the component of the Elite Accident Management insurance landscape.

Credit Hire has played a pivotal role in the Elite Accident Management insurance sector for decades. Originating in the early 1980s, its initial purpose was to swiftly restore mobility to drivers following accidents, marking a foundational shift in how insurance claims are managed and ensuring uninterrupted daily routines for affected individuals.

Today, Credit Hire has evolved into a highly refined and efficient service, offering advanced solutions that ensure seamless mobility and comprehensive support for drivers involved in accidents.

 

Thanks to technological advancements and a streamlined claims management process, Credit Hire has revolutionized how non-fault drivers manage expenses post-car accident. Serving as an impartial advocate, the Credit Hire industry ensures that non-fault drivers receive the entitlements and benefits they deserve, surpassing the limitations of standard insurance processes. This approach prioritizes a swift and seamless return to the road, minimizing disruptions and empowering drivers to navigate their recovery with confidence.

Credit Hire and Accident Management serve distinct purposes despite their association in the context of car accident claims

The terms “Credit Hire” and “Accident Management” are often associated but refer to different services. Accident Management is a comprehensive process that manages all aspects of a car accident claim from start to finish. This includes gathering accident details, liaising with insurance companies, filing accident reports, dealing with medical bills, and providing accident support. Credit Hire, on the other hand, specifically assists non-fault drivers in getting back on the road quickly after an accident. This involves providing a replacement vehicle and helping drivers claim any associated vehicle costs. Typically, a Credit Hire Company or Accident Management Company will offer both services in conjunction. Companies in the industry are usually referred to by either term unless they provide only one service, which is uncommon. Both Credit Hire and Accident Management are effective methods for recovering or reimbursing accident costs. However, the focus of each service makes them suitable for different situations following an accident.
If you’ve had a car accident that wasn’t your fault and need immediate assistance, Credit Hire provides essential support by offering a replacement vehicle right away. For complete peace of mind after an accident, Accident Management Services offer a thorough approach to managing every aspect of your claim effectively. Accident Management Services provide an all-encompassing solution, addressing every part of your accident claim—from handling insurance interactions to coordinating repairs and managing legal issues. At Elite Accident Management, we integrate both Accident Management and Credit Hire services to offer you a seamless experience. Whether you need a replacement vehicle or full support with your accident claim, we are here to provide comprehensive, tailored assistance from start to finish.
Elite Accident Management Ltd, a national FCA Regulated Accident Management Company established in 2009, stands as a beacon of expertise in Accident Claims Management and Credit Hire in the UK. With over three decades of combined experience, we proudly lead the industry alongside CHO (The Credit Hire Organisation), the UK’s premier Credit Hire trade body. Dedicated to assisting thousands of individuals nationwide affected by road traffic accidents, our mission is simple yet profound: to expedite your return to the road swiftly and seamlessly.

Ask for a return call.

An advisor will return your call shortly. Alternatively, you can reach us now at  0778 612 8786.
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Elit Accident Management(ECM)
122A new road side
horsforth
leeds
ls18 4qb

Registered: 06852246
FCA Regulated: FRN830899

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