Do I get a hire car in the event of a claim?

After 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 vehicle

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.