Frequently Asked Questions

Yes. If you have been involved in a non-fault accident, you are legally entitled to a like-for-like replacement vehicle while yours is being repaired or assessed. We arrange this at no cost to you, recovering the expenses from the third-party insurer.

We aim to deliver replacement vehicles within 24 hours of verifying your non-fault claim, often on the same day. We handle the logistics and drop the car off directly at your home, workplace, or the recovery yard.

Yes. If your vehicle is a tool of your trade—such as a taxi, private hire vehicle, or delivery van—we provide fully licensed replacement vehicles so you can continue working without disruption.

Yes, we specialize in providing fully licensed replacement taxi vehicles (including local council plated vehicles) for both hackney carriage and private hire drivers, complete with correct hire licensing documents.

You are entitled to keep the replacement vehicle until your own vehicle is repaired and returned to you, or until a write-off settlement payment is received from the third-party insurer.

You will receive a like-for-like replacement vehicle matching the category, size, and specification of your own vehicle, whether it is an executive sedan, a standard hatchback, or a licensed taxi.

Credit hire is a legal arrangement where a replacement vehicle is provided to you on credit after a non-fault accident, with the hire costs recovered directly from the at-fault driver's insurance company.

The at-fault driver's insurance company is legally responsible for paying the hire costs. You pay nothing upfront, and we recover all costs on your behalf.

We assess the accident, verify liability, deliver a replacement vehicle to you, and submit the final invoice to the third-party insurer for payment once your own vehicle is repaired or written off.

Credit hire is available to any driver involved in a road traffic accident where another party was clearly at fault, subject to verification of liability and need.

Typically, we require your driving licence, taxi badges/licences (if applicable), vehicle registration document (V5C), insurance schedule, and any accident scene evidence (photos, dashcam, or police reports).

In the rare event that liability changes or costs cannot be recovered, our credit hire agreements are covered by indemnity protection, meaning you are protected from liability for the hire costs, provided you cooperated fully and honestly throughout the process.

Ensure safety first, exchange contact and insurance details, take photographs of the vehicle damage and road layout, collect witness details, and contact Credit Hire Direct immediately before calling your own insurer.

While you have a duty to report the accident to your insurer for information purposes, you do not have to claim through them. Claiming through Credit Hire Direct prevents you from paying your policy excess and protects your No Claims Bonus.

Yes. If another driver was at fault, you have the legal right to claim for vehicle repairs, replacement hire, recovery, storage, and any other losses directly from their insurer.

Simple claims where liability is admitted can be resolved in a few weeks. More complex cases involving vehicle write-offs or disputed liability may take a few months. We manage all admin to keep it as fast as possible.

For vehicle repairs and replacement hire, Credit Hire Direct handles the entire process. If you also suffered personal injury, we can introduce you to our panel of specialist personal injury solicitors.

Yes. You can claim for loss of earnings, damaged personal belongings, vehicle recovery fees, storage costs, and out-of-pocket expenses resulting from the collision.

Yes. By providing fully licensed, council-approved replacement taxi vehicles, we ensure you can get back on the road and continue earning your living immediately.

Yes, we provide executive replacement vehicles, luxury sedans, and WAVs (wheelchair accessible vehicles) suitable for private hire, chauffeur, and corporate travel services.

Yes, we support both hackney carriage (black cab) and private hire drivers (including Uber, Bolt, and independent operators) with licensed vehicles.

If your vehicle is declared a write-off, you can keep the replacement vehicle until the third-party insurer pays out the pre-accident value of your taxi.

Yes, we assist you in recovering loss of earnings for the period between the accident and receiving a replacement vehicle or having your taxi returned.

Yes, we have a nationwide fleet of licensed, plated taxi vehicles ready for immediate dispatch, including hybrid Toyota Prius, electric vehicles, and multi-passenger WAVs.

Yes, we arrange professional recovery tow trucks to collect your vehicle from the accident scene or police compounds and transport it to secure storage.

Your vehicle is stored in one of our secure, CCTV-monitored nationwide compounds, protecting it from further damage or theft.

Yes. All storage compounds feature boundary fencing, secure access gates, and 24/7 CCTV surveillance monitoring.

Yes. You can visit the secure storage facility by coordinating with your claims handler to retrieve documents, keys, or personal belongings.

Credit Hire Direct handles all recovery bookings, tow truck dispatches, and compound fees, recovering these costs directly from the at-fault driver's insurance.

Storage is available for as long as necessary while engineers inspect the vehicle, repairs are approved, or write-off payouts are settled.

We are UK accident management specialists providing like-for-like vehicles, professional recovery, secure storage, and complete cost recovery with zero upfront fees.

You can call our freephone helpline via our contact form, email us at claims@credithiredirect.co.uk, or submit an assistance request form on our website.

Yes, we provide recovery, storage, and replacement vehicles to drivers across England, Scotland, and Wales.

No. Our advice, claims assessments, and recovery reviews are 100% free of charge.

Simply call us or click "Request Assistance" to submit your details. A claims specialist will call you back within 15 minutes to initiate your recovery.