CREDIT HIRE
THE SUPPORT YOU NEED TO KEEP MOVING
If you have been involved in a non-fault accident and your vehicle is unavailable, you may be eligible for a suitable replacement vehicle through credit hire.
At Meer United, we help make the process straightforward by assessing your circumstances and coordinating the support you may need.
WHAT IS A CREDIT HIRE?
Credit hire can provide an alternative vehicle when your own vehicle is unavailable following a non-fault accident. Rather than being left without transport while your vehicle is being repaired or your claim is progressing, a suitable replacement vehicle may be arranged for you, subject to your circumstances and eligibility.
WHO CAN USE CREDIT HIRE?
Credit hire may be appropriate for drivers who have been involved in an accident that was not their fault and whose vehicle is unavailable or unsuitable to drive.
Every situation is different, so we look at your individual circumstances, how you use your vehicle and the practical need for a replacement.
For drivers who depend on their vehicle to earn a living, being without it can mean losing valuable working time. Our team understands the importance of getting the appropriate vehicle support in place as efficiently as possible.
WHY MIGHT YOU NEED A CREDIT HIRE VEHICLE?
DAILY LIFE
Getting to work, school, shopping and everyday commitments.
WORK
For drivers who depend on their vehicle to earn a living.
BUSINESS
Maintain transport for business and commercial use.
MOBILITY
Continue your normal activities while your vehicle is unavailable.
WHAT INFORMATION DO WE NEED?
To understand your situation and determine what support may be appropriate, we’ll normally ask for some basic information.
HOW CREDIT HIRE WORKS
A simple process to get you back on the road.
1. CONTACT MEER UNITED
Tell us about your accident, your vehicle and your circumstances.
2. WE ASSESS YOUR NEEDS
We’ll establish whether credit hire may be appropriate and what type of vehicle may be suitable.
3. REPLACEMENT VEHICLE
Where appropriate and subject to eligibility, a suitable replacement vehicle can be arranged.
4. YOUR VEHICLE
Your own vehicle can proceed through the appropriate repair, assessment or claims process.
5. RETURN YOUR VEHICLE
Once your vehicle is available again, the replacement vehicle is returned in accordance with the hire agreement.
DOES CREDIT HIRE COST ANYTHING?
Credit hire arrangements can work differently depending on the circumstances of the accident, liability, eligibility and the terms of the agreement.
Where a credit hire arrangement is appropriate, the relevant hire charges may be pursued from the responsible party’s insurer as part of the claim.
Before entering into an agreement, you should understand the terms, your responsibilities and any circumstances in which you could become liable for charges.
Our team can explain the process and the relevant agreement before you proceed.
Where eligible, we aim to provide a vehicle that is appropriate for your circumstances and needs.
WHAT TYPE OF VEHICLE CAN I GET?
YOU DON’T HAVE TO DEAL WITH EVERYTHING YOURSELF.
Contact Meer United and tell us what happened. We’ll discuss your circumstances and explain what support may be available.
CREDIT HIRE OR A STANDARD COURTESY CAR?
A standard courtesy car and a credit hire vehicle are not necessarily the same thing. A courtesy vehicle may be offered by an insurer, repairer or garage and can depend on the terms of your own policy or the repair arrangement.
A credit hire vehicle is arranged specifically around the circumstances of an eligible non-fault claim and the claimant’s reasonable need for replacement transport.
The appropriate vehicle can depend on factors such as:
The vehicle you normally drive
How you use your vehicle
Whether you need it for work
The number of passengers you regularly carry
Whether you require specialist or commercial transport
The availability of suitable vehicles
Learn more Our aim is to understand your actual requirements rather than make assumptions about what vehicle you need.
HOW LONG CAN A REPLACEMENT VEHICLE BE USED?
The period for which a replacement vehicle is required depends on the circumstances of the claim. For a vehicle undergoing repairs, the relevant period may depend on factors such as:
The extent of the damage
Assessment requirements
Parts availability
The progress of the claim
If the vehicle is declared a total loss, the circumstances can be different and the appropriate period will depend on the progression of the claim and the replacement arrangements.
The length of hire is not automatically the same for every claim.
We can explain the relevant process based on your individual circumstances.