Car accident claims
Replacement Vehicle After an Accident
When your car is off the road after a non-fault accident, life does not stop. The specialists we work with can often arrange a like-for-like replacement vehicle at no cost to you, while yours is repaired or replaced.
Last reviewed: Reviewed by the Auto Crash Claims editorial team
Why a replacement vehicle matters
Losing your car to someone else’s mistake does not just cost you a repair. It costs you the school run, the commute and everything else the car quietly makes possible. A replacement vehicle after an accident keeps your life moving while the claim is sorted out, so an accident you did not cause does not bring everything to a halt.
Like-for-like, at no cost to you
Because the accident was not your fault, the cost of keeping you mobile falls to the at-fault driver’s insurer, not you. The replacement vehicle is normally matched to what you lost, so it actually works for you: a van for a tradesperson, a larger car for a family. The specialists we connect you with arrange it and explain how it works before anything starts.
Part of the bigger claim
A replacement vehicle is often just one part of a non-fault claim, alongside repairs or the value of a written-off car, your excess, recovery and storage, and any injury. You do not have to sort these out piece by piece. A free, no-obligation claim check is the simplest way to find out what you could be owed.
What you could be owed
- A like-for-like replacement vehicle while yours is off the road
- Repairs to your vehicle, or its value if it is written off
- Recovery and storage of your damaged vehicle
- Your insurance excess
- Injury and treatment, if you were hurt
- Lost earnings and other out-of-pocket costs
What you could receive depends on your circumstances.
When you can claim
A replacement vehicle after an accident is usually available where the accident was not your fault, because the cost falls to the at-fault driver's insurer rather than to you. The replacement is normally matched to the vehicle you lost, so a van driver gets a van and a family car gets something the family can use. It is worth checking as early as possible.
Making a claim is simpler than you think
- 1
Tell us what happened
Answer a few quick questions about your accident. It takes a couple of minutes and there’s no obligation.
- 2
We connect you with specialists
We pass your details to the regulated specialists we work with, who’ll look at whether you have a claim.
- 3
They handle the rest
If you have a case, the specialists can pursue your compensation and keep you updated, while you get back to normal.
Frequently asked questions
Will the replacement vehicle cost me anything?
Where the accident was not your fault, a replacement vehicle is normally provided at no cost to you, because the cost falls to the at-fault driver's insurer. The specialists explain how it works before anything is arranged.
Will it be like the car I lost?
Usually, yes. The aim is a like-for-like replacement vehicle, so it suits the same needs. If you rely on a van for work or a larger car for the family, the replacement is normally matched to that.
Do I have to make an injury claim to get one?
No. A replacement vehicle relates to the loss of use of your car, so you can look into it whether or not you were injured. If you were also hurt, that can be part of the same claim.
Related
Related claim types
Common scenarios
Find out what you could be owed
It takes a couple of minutes, it’s free, and there’s no obligation.