FAQs
- Why should I ring Vision and not my insurance company if I’m involved in a non-fault accident?
- What if my car is a write-off?
- What does the service cost me?
- Do I need to report the claim to my insurer if you are dealing with my claim?
- What does Vision require from me in order to deal with my claim?
- Who will pay for the cost of the replacement vehicle that Vision supply?
- What if the other driver’s insurer doesn’t pay for the cost of the hire car?
- Can I still make a claim if the other driver wasn't insured?
- Can you provide a replacement vehicle to all of your clients?
- Are there any restrictions on age to use your service?
- What do I need to provide to Vision before you can supply me with a replacement vehicle to drive?
- Do I have a choice on the type of vehicle Vision provides me with?
- What types of vehicles can you supply?
- How long am I allowed to keep the replacement vehicle for?
- Who provides insurance cover on the replacement vehicle?
- Does it matter where in the UK I live?
- Do you offer a delivery and collection service, and if so is there an additional charge for me to pay?
- Do I have to do anything whilst the claim is ongoing?
Why should I ring Vision and not my insurance company if I’m involved in a non-fault accident?
If you call your insurance company you will be required to claim under your own policy, you will have to pay your policy excess (if appropriate) and your policy is likely to only cover you for use of a small courtesy car while yours is being repaired. If your vehicle is a write-off you would not normally be provided with a courtesy car at all.
If you call Vision there are a whole host of benefits your insurance company simply can’t provide including:-
- a ‘like for like’ replacement vehicle while yours is repaired
- the ability to waive or reclaim payment of your policy excess
- management of the repairs of your vehicle or a settlement cheque for a write-off
- and much more!
What if my car is a write off?
In a non-fault accident, if you can prove the need for a replacement vehicle similar to your own, you can hire a like for like replacement. The cost of that hire, for a period up to seven days after the write off cheque is received, is recoverable from the at-fault party or their Insurance Company.
What does the Service cost me?
We do not charge our customers for our services. We earn solely through the supply of the hire car and a claims handling fee, the cost of which is recovered under our agreement with the guilty driver’s insurer.
Do I need to report the claim to my insurer if you are dealing with my claim?
No, we will do it all for you.
What does Vision require from me in order to deal with my claim?
Let us have as much information as you possess, don’t worry if you are missing anything, we will investigate and make enquiries on your behalf.
Who will pay for the cost of the replacement vehicle that Vision supply?
The cost of the vehicle we supply you with will be recovered by us, on your behalf, from the guilty party’s insurer.
What if the other driver’s insurer doesn’t pay for the cost of the hire car?
As long as you have been truthful about the accident circumstances and co-operate with us and the insurer for the duration of the claim, we will not seek to recover from you any costs that are unpaid.
Can I still make a claim if the other driver wasn't insured?
Don’t worry, we can still help you, we can recover your costs from the Motorist Insurers' Bureau (MIB), an organisation that exists to compensate any innocent party who has been involved in an accident with an uninsured driver.
Can you provide a replacement vehicle to all of your clients?
Yes, as long as you have a day to day need for a replacement car and there is a negligent driver’s insurer to recover the costs from.
Are there any restrictions on age to use your service?
No, we can normally assist anybody and provide you with Comprehensive insurance. In exceptional circumstances we may need to arrange cover on your own insurance.
What do I need to provide to Vision before you can supply me with a replacement vehicle to drive?
We will need to see all driving licences and will require details of a debit or credit card for security purposes.
Do I have a choice on the type of vehicle Vision provides me with?
We have an extensive fleet of vehicles from hatchbacks and saloons to prestige and high performance vehicles so we can supply you with a vehicle that meets your needs.
What types of vehicles can you supply?
Our large fleet includes many different makes of both prestige and mainstream cars; we can also easily supply different types of vans and recovery trucks. In fact, whatever your vehicle replacement requirement we will endeavour to provide it for you.
How long am I allowed to keep the replacement vehicle for?
If your own car is repairable then until the repairs are complete or in the event of it being a write-off our agreement on your behalf with the Association of British Insurers allows for the hire car to be supplied to you for up to seven days from the day your settlement cheque is received.
Who provides insurance cover on the replacement vehicle?
We will normally provide insurance cover for you; however, in exceptional circumstances it may be necessary for you to insure the vehicle.
Does it matter where in the UK I live?
No. Our service extends to cover all of mainland UK.
Do you offer a delivery and collection service, and if so is there an additional charge for me to pay?
The hire vehicle will be delivered to a place of YOUR convenience. When the hire vehicle is no longer needed, we will simply collect it from where you tell us, we do not make any charges for the delivery or collection of the hire vehicle.
Do I have to do anything whilst the claim is ongoing?
We simply ask that you co-operate with us and the insurers to help avoid any un-necessary delays. Leave the rest to us, we will keep you fully updated at every stage on the progress of your claim.
