Introduction: Why This Decision Matters
After a non-fault car accident, one of the first questions UK drivers ask is:
“Should I choose a credit hire vehicle or a courtesy car?”
The answer impacts your costs, convenience, and claim process. At Nova Motor Assist, we specialise in helping drivers make the right choice, so you can stay on the road without hassle.
What Is a Courtesy Car?
A courtesy car is provided by your own insurer (or sometimes the repair garage) while your car is being repaired.
Key Points:
- Usually small and basic, not like-for-like.
- May require you to pay extra for upgrades.
- Availability depends on your insurance policy.
- Typically not free if the accident was your fault.
What Is Credit Hire?
A credit hire vehicle is supplied by an accident management company, like Nova Motor Assist, when you’re not at fault.
Key Points:
- Always like-for-like (same size/spec as your own car).
- No upfront cost – charges are recovered from the third-party insurer.
- Available to all non-fault drivers, including PCO and fleet operators.
- Delivered quickly, often same day.
Credit Hire vs Courtesy Car: Key Differences
| Feature | Courtesy Car | Credit Hire Vehicle |
|---|---|---|
| Vehicle Type | Basic model | Like-for-like |
| Cost to Driver | May cost extra | No upfront cost (non-fault) |
| Availability | Limited by insurance policy | Fast, even same-day delivery |
| Suitability for PCO/Fleet | Rarely suitable | Fully suitable |
| Duration of Use | Limited | Until claim is resolved |
Which Option Is Right for You?
- Non-Fault Private Drivers: Credit hire ensures you’re not left driving a smaller, unsuitable car.
- Taxi/PCO Drivers: Credit hire protects your income with a licensed replacement.
- Fleet Operators: Credit hire avoids disruption to business operations.
Courtesy cars are fine for minor incidents, but credit hire is best for convenience, protection, and speed.
How Nova Motor Assist Makes It Simple
When you choose Nova:
We confirm your non-fault status.
- Deliver a like-for-like credit hire vehicle – often same day.
- Handle all costs directly with the third-party insurer.
- Provide multilingual support and keep you updated.
FAQs – Credit Hire vs Courtesy Car
Yes. Costs are recovered from the at-fault driver’s insurer, so you pay nothing upfront.
Yes. Non-fault drivers have the right to a credit hire vehicle.
Absolutely. We provide licensed PCO vehicles and fleet replacements.