What If Liability Is Disputed?
If liability is disputed, recovery of credit hire charges from the at-fault insurer becomes less certain and can take longer. The hire may continue, but you should understand your agreement, keep strong evidence, and know you can speak to insurers directly, free of charge.
§ 01What happens to credit hire if fault is contested?
When another insurer disputes who was at fault, the position becomes less certain. A replacement vehicle may still be in place, but recovery of the charges depends on how the liability question is resolved, and that can take time.
This is the single biggest risk area in credit hire, which is why understanding your agreement matters. See the catch and how credit hire works.
§ 02What sensible steps can I take?
None of this requires a paid representative. You are free to ask questions and request information yourself, at no cost.
- Keep strong evidence: photographs, the other driver's details, witness details and any admission of fault.
- Keep the hire proportionate to your genuine need, and keep repair updates.
- Read your agreement so you know what happens if charges are challenged or reduced.
- Contact your own insurer or the at-fault insurer directly, free of charge, to understand the position.
- Raise a complaint directly with the relevant firm if you believe you were treated unfairly.
Common questions
Will my replacement vehicle be taken away if fault is disputed?
Not automatically, but a disputed claim can affect how long a hire is reasonable. Check your agreement and keep the hire proportionate.
How long can a disputed claim take?
It varies. Disputed liability can take considerably longer to resolve than a clear non-fault case.
Can I still go direct to the insurers?
Yes. You can contact your own insurer or the at-fault insurer directly, free of charge, at any point.
Work out where you stand
This site is a reference library, not an enquiry desk — no telephone number, email address or form here is live yet. You can contact your own insurer or the at-fault insurer directly, free of charge, at any time.