Credit Hire Car Delivered to Your Door – Here’s How It Works
Accidents are stressful, and dealing with the aftermath—especially when your car is off the road—can make it even worse. But thanks to credit hire services in the UK, getting back on the road is now simpler than ever. One of the most convenient options available today is having a credit hire car delivered straight to your door. In this article, we’ll walk you through everything you need to know about how it works, what the process involves, who qualifies, and what you should expect.
What Is a Credit Hire Car?
Before we dive into doorstep delivery, let’s first clarify what a credit hire car actually is.
A credit hire car is a replacement vehicle provided on credit to a driver whose car is undrivable due to a non-fault accident. Instead of waiting for your own insurance to handle it—or worse, paying for a rental out of pocket—a credit hire company arranges for a similar vehicle to be delivered to you. The cost is recovered directly from the at-fault driver’s insurance company, meaning you don’t have to pay anything upfront.
Why Doorstep Delivery Matters
Traditionally, people had to visit a rental centre or wait in long queues to arrange a replacement car. With doorstep delivery, that inconvenience is eliminated. A representative brings the replacement vehicle to your home, workplace, or wherever is most convenient for you. This not only saves time but also reduces stress—especially if you’re already dealing with accident-related issues.
Who Qualifies for a Credit Hire Car?
To be eligible for a credit hire vehicle delivered to your door in the UK, you must typically meet the following conditions:
- You were not at fault for the accident.
- You hold a valid UK driving licence.
- Your car is undrivable or not roadworthy due to the incident.
- The at-fault party is insured.
- Your personal insurance does not already provide a courtesy car, or the vehicle offered is unsuitable for your needs.
Even if you have third-party insurance or no courtesy car coverage, you may still qualify under credit hire.
Step-by-Step: How It Works
Here’s a detailed look at the process of getting a credit hire car delivered to your doorstep:
1. Report the Accident
The first step is to report the accident either to your own insurer, a solicitor, or a credit hire company. If you go directly to a credit hire provider, they will assess the situation to confirm you were not at fault and whether you’re eligible.
2. Initial Assessment
Once eligibility is confirmed, a case handler will:
- Collect accident details
- Review vehicle damage
- Liaise with your repair garage or accident management company
- Request your driving licence and ID for verification
3. Vehicle Matching
The credit hire company will provide a like-for-like replacement vehicle. For example, if your vehicle was a saloon, SUV, or taxi, you’ll receive a similar model to ensure you’re not inconvenienced.
This ensures continuity, especially for people who need a certain type of vehicle for family, work, or health reasons.
4. Documentation & Agreement
You’ll sign a credit hire agreement, confirming that the cost will be recovered from the at-fault driver’s insurer. You won’t need to pay anything upfront. It’s essential to read the terms, but most agreements make it clear that you are only liable if the claim is fraudulent or you breach the contract.
5. Delivery to Your Doorstep
This is the most convenient part. The vehicle is delivered directly to your location—whether at your home, workplace, or even a repair garage. A representative will:
- Walk you through the car’s features
- Show you how to use any specific functions (especially for hybrids or EVs)
- Take photos of the vehicle condition for records
- Get your signature for handover
This contactless delivery process is typically completed in under 30 minutes.
6. Vehicle Use Period
You can use the hire car until:
- Your own car is fully repaired, or
- Your insurer declares your vehicle a total loss and settles your claim
If your vehicle is written off, you may keep the hire car until a suitable settlement is offered—ensuring you’re not left without transport.
7. Collection
Once your own vehicle is ready, the credit hire company will arrange a collection appointment at your convenience. They’ll inspect the vehicle, document its condition, and close the case.
What Type of Cars Are Available?
Credit hire companies offer a wide variety of vehicles to meet different needs. These include:
- Saloon cars like BMW 3 Series, Mercedes C-Class
- SUVs like Nissan Qashqai, Range Rover Evoque
- Electric Vehicles (EVs) like Tesla Model 3, Kia e-Niro
- Taxis, Minicabs, or Private Hire Vehicles (PHVs)
- Commercial Vans for tradespeople or delivery drivers
If you’re a taxi driver or courier and your business relies on your vehicle, a credit hire company can deliver a licensed replacement vehicle to your door so you don’t lose income.
Legal Backing & Regulation
Credit hire in the UK is governed under Common Law principles and regulated practices. Many credit hire companies work closely with personal injury solicitors or claims management firms to ensure:
- The claim is valid and provable
- The at-fault party’s insurer is notified and liable
- There is a proper paper trail and communication
Most reputable credit hire companies are part of The Credit Hire Organisation (CHO), which sets professional standards.
Benefits of Credit Hire Car Delivery
- No Upfront Costs – Zero rental fees at the point of service.
- Convenient Delivery – Saves time and hassle.
- Like-for-Like Replacement – Keeps your lifestyle uninterrupted.
- Minimises Downtime – Especially vital for professionals or taxi drivers.
- Flexible Use – Keep the car until your issue is resolved.
- Fully Insured – Usually comes with comprehensive insurance and breakdown cover.
Common Questions (FAQs)
Q: Do I need to involve my insurance company?
Not always. Many people go directly through a credit hire company or solicitor. However, you should still inform your insurer of the accident.
Q: Will this affect my no-claims bonus?
No. As long as you were not at fault and the third-party insurer accepts liability, your no-claims bonus should remain intact.
Q: What if the at-fault driver disputes the claim?
This can delay the process, but if your credit hire provider is experienced, they’ll pursue the case legally, possibly involving a solicitor to recover the costs.
Q: Can I choose the type of car I get?
To an extent, yes. Credit hire companies will match your current vehicle class and use. For specific needs (e.g. wheelchair access, business use), always inform the provider in advance.
Things to Watch Out For
While doorstep delivery is convenient, always ensure you:
- Read the agreement carefully
- Inspect the hire vehicle upon delivery
- Avoid using the vehicle for non-covered uses (e.g. racing, towing)
- Notify the company if your circumstances change
If you breach the terms, you may be liable for some or all costs.
Final Thoughts
Having your credit hire car delivered directly to your door is one of the most efficient ways to stay mobile after a non-fault accident. Whether you’re a busy parent, a professional driver, or simply someone who needs transport daily, this service eliminates the stress of going to a rental depot, filling out paperwork, or waiting days for a solution.
Thanks to strong legal frameworks and streamlined processes, this service is not just a luxury—it’s becoming the standard in modern accident management. If you ever find yourself without a car due to someone else’s fault, remember that a replacement vehicle is just one phone call away—delivered right to your doorstep.