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A replacement vehicle after an accident — your rights

If your car is being repaired after an accident that was not your fault, you are as a rule entitled to a replacement vehicle. Here is who pays for it, for how long, and what happens when the repair drags on.

Updated: June 2026 · Informational guide

Are you entitled to one?

If you are not at fault for the accident, a replacement vehicle is covered by the other driver's third-party liability cover, for the period your vehicle is genuinely being repaired (or while a total loss is being processed).

For how long

The rule of thumb is up to 6 days, and only while the car is actually being repaired. The class of the replacement vehicle should be similar to your own.

What if the repair takes longer

For a hire beyond the covered period, you generally pay first yourself and then claim the amount back through a private lawsuit against the other driver's insurer (with evidence of how long the repair took and why you needed the vehicle).

If you are at fault

If the accident is your own fault, third-party cover does not pay for your replacement vehicle. Check your comprehensive policy — some include a replacement vehicle or roadside assistance.

Keep all the evidence: the repair order, how long it took, the hire invoices. Without it, a claim for a longer hire is hard to prove.

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Frequently asked questions

Who pays for the replacement vehicle?

If you are not at fault, the other driver's third-party liability cover pays for it.

How many days am I entitled to?

Roughly up to 6 days, and only while the vehicle is being repaired.

What if the repair takes longer?

A longer hire is usually paid by you first and then claimed back through a private lawsuit.

Can I get a vehicle of a similar class?

Yes, the replacement should be roughly the class of your own vehicle.

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Note: this guide is general information, not legal or insurance advice. For your own case, speak to your insurer or a professional.