After a non-fault accident, you’re entitled to a replacement vehicle while yours is off the road. But what exactly does that mean, and how does it work? Here’s everything explained.
Am I entitled to a replacement?
Yes. If the accident wasn’t your fault, being left without a vehicle is a loss caused by the other driver. You’re entitled to a replacement while your own car is repaired — or until your claim is settled if it’s a total loss — at no cost to you.
What does like-for-like mean?
You get a vehicle of a similar size, class and specification to your own. That means:
- Drive a hatchback? You get a hatchback.
- Drive a prestige or exotic car? You get an equivalent.
- Drive a van or truck? You get a commercial replacement.
- Ride a motorbike or moped? You get a two-wheel replacement.
- A PCO or private hire driver? You get a PCO-licensed vehicle so you keep earning.
How quickly can I get one?
In most cases we arrange delivery within 24–48 hours, often sooner. We understand that being without a vehicle disrupts your work and daily life, so we move fast.
Who pays for it?
The cost is recovered from the at-fault driver’s insurer as part of your claim. You don’t pay an excess, you don’t pay upfront, and it doesn’t affect your own insurance or no-claims bonus.
How long can I keep it?
For as long as your own vehicle is being repaired, or until your total loss claim is settled. You’re never left without transport during the process.
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.