For PCO and private hire drivers, an accident isn’t just an inconvenience — it directly hits your income. This guide explains what to do after a non-fault accident and how to get back on the road fast.
Why PCO drivers need specialist help
Your vehicle is your livelihood. A standard courtesy car is useless if it isn’t licensed for private hire work. That’s why you need a PCO-licensed replacement vehicle — so you can carry on working while your own vehicle is repaired.
Steps to take after your accident
- Stop, check for injuries and make the scene safe
- Exchange details with the other driver
- Photograph the vehicles, damage and road layout
- Don’t admit fault at the scene
- Contact an accident management company that handles PCO claims
Keeping your income moving
Every hour off the road costs you money. The faster you get a licensed replacement, the less an accident costs you. PCO and private hire claims should be treated as a priority, with fast turnaround — usually within 24–48 hours.
Does it cost me anything?
For a non-fault accident, no. The cost of your replacement, recovery and repairs is recovered from the at-fault driver’s insurer. There’s no excess and nothing to pay upfront, and it doesn’t affect your own insurance.
What about injuries?
If you’ve been injured, you may also be entitled to compensation through a personal injury claim, handled alongside your vehicle claim.
Been in a non-fault accident?
Our team is available 24/7. We handle everything — recovery, a replacement vehicle, repairs and your claim — at no cost to you.
Please note: this article is general information about how non-fault accident claims usually work. It is not legal advice and does not create a client relationship. Every claim turns on its own facts — if you need advice on your situation, get in touch and we’ll talk it through with you.