Credit Hire & Credit Repair Services Explained

Mar 10, 2021

Credit hire and credit repair services have come under scrutiny recently. With the reputation of the vital services being called into question, Innocent Driver decided to prepare this post to help you separate fact from fiction.

Many of us rely on our vehicles to go about or daily lives; having them damaged can instantly impact our lives. What will you do while you wait for the repair?

If your vehicle has been damaged during an accident that wasn’t your fault – the process can be time-consuming and stressful. What are you going to do without your car? That’s where credit hire and repair comes in.

A road traffic accident of any nature is never going to be pleasant. Using an accident management service like Innocent Driver can make the aftermath a lot more bearable.

So, What Exactly is Credit Hire & Credit Repair

Credit hire/credit repair exists with the sole purpose of making your life easier following an accident that wasn’t your fault.

It’s an accident management service that will provide you with a high-quality replacement vehicle following the incident and take care of your repairs. This service aims to minimise the disruption to your life while repairs are carried out on your own vehicle.  Allowing you to go about your business as usual, as seamlessly as possible. Why should you suffer further following the accident?

A considerable benefit of this service is that you do not have to claim your insurance, which, let’s face it, could turn into a nightmare situation. Your no claims bonus and premiums should remain unaffected, ultimately making your life easier.

Here at Innocent Driver, we know just how disruptive and inconvenient being involved in a road traffic accident can be, which is why we aim to make the claims process as stress-free and straightforward as possible.

Don’t worry about the cost – that’s covered.

This business model is centred around you being blameless. You shouldn’t have to worry about the bill, which the other party’s insurer covers it! It will also be presented to them directly, so there’s no need for you to be involved. Easy!

To qualify for the service, you do have to meet the following criteria:

  • The accident is the fault of the other driver.
  • The party at fault is insured, and this has been established.
  • Your vehicle requires repairs & you don’t have access to an alternative vehicle of your own while the repairs are carried out.

Why You Shouldn’t Contact Your Insurer First!

If you go straight to your own insurer following an accident, you will be fortunate to secure a courtesy car. They are not obliged to offer this service unless explicitly stated in your policy. Even insurers with courtesy cars often experience shortages.

This could result in you having to fork out the cost of taxis or arranging your car hire.

As if that wasn’t enough, if you make a claim or even just report the incident to your insurance company, then the premium may increase, and your no claims bonus will be affected even if the accident is not your fault. Then there are the repairs, the quality of insurer repairs cannot be guaranteed, and they may use recycled parts or those that are not from the manufacturer of your car.

Some insurers will attempt to cover the cost from the guilty party, but that’s not always the case. If your insurer pays out, then your insurance can be poorly affected. Protecting your no-claims bonus won’t always be their top priority, and the task may prove to be too time-consuming for them.

Finally, by contacting your insurance first, you will lose the ability to involve a reputable accident management company like Innocent Driver down the line.

Did You Know?

Innocent Driver is an Accident Management company – you can trust us with your credit hire & credit repair services. We will offer you a like for like vehicle and make sure your car is repaired to the highest standards using only manufacturers parts. Not only that, we can help you access confidential and impartial legal advice that will help you recover other losses such as loss of earnings and who can help you if you were injured. We really are here to help you every step of the way.  It’s a win-win!

Get In Touch Today!

We will have you back on the road in no time.