This Article is About
car insurance
car insurance policies
party fire
going shopping
own car
Hire Cars And Car Insurance
Join 1000's of Authors at StreetArticles Today!

Having the use of a hire car if your own vehicle is off the road after an accident is an important feature of many car insurance policies these days. For most people, not having the use of a car is a real hassle. Getting to work, going shopping, taking the kids to school; we need a car for almost everything we do these days.

Does your policy provide you with a replacement car if your own car is off the road being repaired? Do you know if you get a replacement car under all circumstances or are there certain pre-requisites? How long do you have the hire car for? Most people probably couldn't answer these questions so here's an overview of the common terms associated with being provided with a hire car.

Firstly, if you only have third party cover you can pretty safely assume you won't be provided with a replacement car. This is really just a feature of comprehensive and third party fire and theft car insurance.

Common conditions for having the use of a hire car after an accident:

  • The insurer will cover the cost of the hire, but it may be in the form of a reimbursement. Be prepared to pay for the hire car yourself and then claim back the cost.
  • There will be a maximum number of days for which the cost will be covered. 7 or 14 days are common.
  • In some cases you may only be able to claim the cost of the hire car up to the point that your claim is paid.
  • You will need to pick a hire car that is similar to your own car. Don't expect to be driving around in a Ferrari while your Mazda 3 is off the road. Not that there’s anything wrong with a Mazda 3 by the way, and good luck to anyone who has a Ferrari at the panel beaters.
  • In some cases the insurer may have the right to query whether or not you need a replacement car. If you are single, live within walking distance of a supermarket and catch public transport to work they may decide that it isn't necessary for you to hire another vehicle.
  • Forget thinking about claiming fuel, road tolls or fines while you are driving the hire car. Even having a punctured wheel fixed probably isn’t covered.
  • In addition to the maximum number of days you can have a hire car for, there may be a maximum dollar amount you can claim. Make sure the daily cost of the hire doesn't mean you use up the dollar amount you can claim before the maximum number of days is reached.
  • The insurer may provide you with a list of car rental operators that you must choose from.
  • Be careful about the insurance cover you opt for with the hire car. Your insurer may pay for the cost of the car rental, but not the insurance you pay for the hire car.

Obviously check your own policy documents to understand your position on this matter and call your insurer if you are in doubt. Hopefully you won’t need it, but it’s when you do need it that it becomes a blessing.


Street Talk

No comments present
You May Also Like
All You Need To Know About Car Insurance In The United Kingdom
Nature of car insurance No doubt the mention of "car insurance premium" can make some motorists cringe. Apparently, this fear is caused by the indiscriminate increase in motor insurance premiums nationwide. Vehicle insurance premiums didn't just become expensive over-night- the last decade has seen them rise indescriminately up to the…
By: John Benson in  Insurance  >  Car Auto   Mar 24, 2016  
0
  Likes: 4

How to Save Money on Car Insurance - the Most Important Tips If You Live In California
If you are shopping for new car insurance you may not know where to start other than driving around town and stopping at the many different agencies. There are a couple things that you should know before you go out looking and deciding on car insurance. In this article you…
By: David Mills in  Insurance  >  Car Auto   Jun 02, 2012  
0
  Likes: 1

Types Of Car Insurance In Australia
There are essentially three types of private car insurance in Australia. At a high level they are: • Comprehensive. This covers damage you cause to another vehicle or property as well as damage caused to your car through your own fault or the fault of another party. • Third Party…
By:  in  Insurance  >  Car Auto   Jan 22, 2012  
0
  Likes: 0

The Average Cost Of Car Insurance
Knowing the average cost of car insurance can be useful when trying to find a good deal. The good news for consumers is that the average cost of car insurance has declined over the last year. In June of 2010, the average annual premium was a bit over $1550. Eleven…
By: Evelyn Puerto in  Insurance  >  Car Auto   Jun 03, 2011  
0
  Likes: 0

Car Insurance Quotes Comparison
We all know that shopping around saves money, but a car insurance quotes comparison can be tricky. The key is to understand the different options and what they mean for you. Car insurance rates are based on certain factors, such as the type of car you drive, how old your…
By: Evelyn Puerto in  Insurance  >  Car Auto   May 17, 2011  
0
  Likes: 0

Getting Car Insurance Quotes over the Internet
You can get car insurance quotes in a traditional way or through the Internet, but most people prefer obtaining them online. Why? Below are the reasons: 1. Comprehensive information. Everything that you need to know about car insurance is just within your reach. You can visit different car insurance websites…
By: Nick Thomas in  Insurance  >  Car Auto   Jun 27, 2011  
0
  Likes: 1

One Day Car Insurance: 5 Things to Look for
Some people are risk takers and believe that one day car insurance isn’t necessary. They may feel they aren’t going to be driving very far or they’ll be careful. Unfortunately, there are other drivers on the road who might not be so careful. Accidents can happen at any time. Here…
By: Evelyn Puerto in  Insurance  >  Car Auto   May 18, 2011  
0
  Likes: 0

New Car Insurance
How soon do you need to get new car insurance? Unfortunately for your checkbook, you’ll need to get new car insurance before you take possession of the keys. And unless you paid cash for your new ride, whoever is lending you the money for the car will probably require you…
By: Evelyn Puerto in  Insurance  >  Car Auto   Jun 09, 2011  
0
  Likes: 0

Car Insurance for New Drivers
Many people are not prepared for how costly car insurance for new drivers can be. The two biggest questions people have are how much insurance do I need to get, and how can I save money on it. Whether you are buying insurance for an adult who hasn’t had insurance…
By: Evelyn Puerto in  Insurance  >  Car Auto   May 16, 2011  
0
  Likes: 0

5 Reasons To Get Into Local Affiliate Marketing Now
If you have spent anytime online then you likely have heard of affiliate marketing. Just in case, affiliate marketing is basically selling other people's products or services online for a commission. There are a variety of programs and terms but the idea is a solid one. You get to let…
By: Russ Reynolds in  Internet and Businesses Online  >  Affiliate Revenue   Jan 25, 2012  
0
  Likes: 0

Getting Car Insurance Quotes over the Internet
You can get car insurance quotes in a traditional way or through the Internet, but most people prefer obtaining them online. Why? Below are the reasons: 1. Comprehensive information. Everything that you need to know about car insurance is just within your reach. You can visit different car insurance websites…
By: Nick Thomas in  Insurance  >  Car Auto   Jun 27, 2011  
0
  Likes: 1

One Day Car Insurance: 5 Things to Look for
Some people are risk takers and believe that one day car insurance isn’t necessary. They may feel they aren’t going to be driving very far or they’ll be careful. Unfortunately, there are other drivers on the road who might not be so careful. Accidents can happen at any time. Here…
By: Evelyn Puerto in  Insurance  >  Car Auto   May 18, 2011  
0
  Likes: 0

The Basic Types of Auto Insurance Coverages for Your Consideration
All people with vehicles should find it necessary to acquire car insurance. In the United States, every driver is compelled to have one byb law. Car insurance policies come in different features that are sure to fit the needs of every driver. They also do not have the same rates…
By: Nick Thomas in  Insurance  >  Car Auto   Jul 01, 2011  
0
  Likes: 0

State Life Insurance And Its Policy Plans
The working of state life insurance company is with the point of view to encourage different customers. A company main objective is to provide benefits to their customers and shield them as of several of unforeseen harm by recommending the appropriate policy plan at reasonable price. A company is offering…
By: anamzara in  Insurance  >  Car Auto   May 02, 2016  
0
  Likes: 0

Auto Insurance Rates And How to Keep Them Down
Auto Insurance is a contract between your car owner and also the insurance company. It's simply the premium that you accept invest in your car insurance policy. It protects you against financial losses and comprehensive or collision side mirror in case your car gets damaged, stolen, or if you will…
By: carpartscovered in  Insurance  >  Car Auto   Apr 14, 2016  
0
  Likes: 0

Article Views: 1840    Report this Article