This section applies to our Highway Choice Private Car comprehensive policyholders only (not including windscreen claims). This is a summary of cover – see your policy book for full terms and conditions. Maximum Hire Period 14 days.
The cover provided under Part B of your policy only applies if it is shown on the current policy schedule and you have paid the additional premium.
What is covered
If the insured vehicle is damaged (excluding windscreen damage) and is being repaired by a Highway Insurance approved repairer, or is stolen and not recovered and the incident occurs within the territorial limits, we will arrange for a hire car to be delivered to, and collected from, your home address (as described on the schedule), for your use.
- Whilst the insured vehicle is being repaired by a Highway Insurance recommended motor vehicle repairer, or
- From when you notify us of the theft claim, until payment has been issued to you in settlement of your claim, in either case not exceeding the hire period.
If, due to circumstances beyond our control we cannot arrange a hire car for you we may, at our discretion, reimburse your transportation costs up to a maximum of £10 per day for the hire period.
If the insured vehicle has been professionally adapted or converted to carry a driver or passenger with disabilities and another suitable vehicle is not available, we will reimburse your transportation costs to a maximum of £10 per day for the hire period.
Use of the hire car within territorial limits only.
What is not covered
The following are not covered under this insurance:
- All fuel, fares, and fines relating to the hire car whilst in your possession.
- Any claim which has not been reported to Highway Insurance via the Contact Centre on 0871 222 6062 within 24 hours of the incident, accident or theft.
- Any provision of the hire car where the insured vehicle is not being repaired by a Highway Insurance approved repairer.
- Any provision of the hire car where a hire car is already provided under any other insurance product or related product.
- Any claim where Highway Insurance do not provide indemnity under the terms of the motor insurance policy.
- Any further hire charges incurred after the hire period.
- Any hire charges for more than three days after payment has been issued to you in settlement of your claim.
- Any use of the hire car, whilst it is being driven by any person, not covered under the terms of Highway Insurance motor insurance policy.
- Any excess payable following an accident, fire or theft involving the hire car.
- Use of the hire car outside the territorial limits.
How to obtain your hire car
If the insured vehicle is involved in an incident, accident or is stolen you must report it immediately (no later than 24 hours) to the Contact Centre on 0871 222 6062 and to the Police if the insured vehicle has been stolen. We will get the hire car company to contact you to arrange delivery of the hire car.
A fuel deposit is payable by you on receipt of the hire car. This will be refunded upon return of the hire car provided there is no damage and it has a full tank of fuel.
If you wish to upgrade from the hire car provided, you should discuss this with the hire company, but you will be responsible for any additional cost required.
