If you have an incident covered by your policy, where your car is damaged, and:

• Cannot be safely driven or is in for repairs; and
• We agree you or the driver of your car were not at fault for the incident; and
• You have provided us with the name and address of the person at fault and the registration number of their car; 

We will arrange and pay the reasonable hire cost of a car that meets your needs, using our provider (but only if our provider has a car available, and is within a reasonable distance of your location).

If there is no hire car that meets your needs available from one of our providers within a reasonable distance of your location, then we will pay you the lesser of:

• The amount it would have cost us to provide you with a hire car that meets your needs using our provider, had one been available; or
• The actual cost you incur in making alternative travel arrangements.

Note: You must not arrange your own hire car unless you obtain our prior written consent. If you do, then we may decide not to pay for the hire car costs.