Frequently Asked Questions
We keep everything simple, so we have organized the FAQs into 5C's of Capital Cars.
Cost – Will I pay anything?
1 – What is Credit Hire?
Credit hire means we provide you with a replacement vehicle at no cost to you if you’re involved in a non-fault road traffic accident. *Subject to impecunious status.
2 – If I’m not paying you, how do you get paid?
We recover hire, storage, and recovery charges directly from the at-fault insurer.
3 – Will you deduct money from my Personal Injury or Vehicle Damage claim?
Never. Unlike some credit hire companies, we do not take up to 20% of your claim. Your solicitor sends your money directly to you.
Claims – How does it work?
1 – What does “Impecunious” mean?
It simply means you cannot reasonably afford to pay for a replacement vehicle yourself.
2 – Do you handle other claims besides vehicle hire?
No — We do not provide legal services. However, with your consent, we can put you in touch with experienced, independent solicitors from our trusted panel.
They are fully regulated to handle:
• Personal Injury Claims
• Vehicle Damage Claims
• Any other applicable heads of claim
3 – Will I have to deal with the insurance companies myself?
No. Our solicitors take the stress off your shoulders by dealing directly with the insurers on your behalf. From start to finish, our solicitors manages the entire process so you don’t have to.
It simply means you cannot reasonably afford to pay for a replacement vehicle yourself.
2 – Do you handle other claims besides vehicle hire?
No — We do not provide legal services. However, with your consent, we can put you in touch with experienced, independent solicitors from our trusted panel.
They are fully regulated to handle:
• Personal Injury Claims
• Vehicle Damage Claims
• Any other applicable heads of claim
3 – Will I have to deal with the insurance companies myself?
No. Our solicitors take the stress off your shoulders by dealing directly with the insurers on your behalf. From start to finish, our solicitors manages the entire process so you don’t have to.
Cover – What vehicles do you provide?
1 – Do you provide licensed vehicles for Minicab/PCO Drivers?
Yes! We specialise in PCO & Minicab drivers, but also handle private motor claims.
2 – What types of vehicles are available?
We supply a wide range:
• Standard cars
• Prestige vehicles
• PCO/Minicab licensed vehicles
3 – Can you get me back on the road quickly?
Yes. We aim to have you in a like-for-like replacement vehicle within 24 hours, so there’s minimal disruption to your daily life or work.
Yes! We specialise in PCO & Minicab drivers, but also handle private motor claims.
2 – What types of vehicles are available?
We supply a wide range:
• Standard cars
• Prestige vehicles
• PCO/Minicab licensed vehicles
3 – Can you get me back on the road quickly?
Yes. We aim to have you in a like-for-like replacement vehicle within 24 hours, so there’s minimal disruption to your daily life or work.
Convenience – How fast & how easy?
1 – How quickly can I get a replacement vehicle?
We usually arrange a like-for-like replacement vehicle within 24 hours.
2 – Do you deliver the replacement vehicle to me?
Yes — to your home, workplace, or even directly from the accident recovery site.
3 – What if my car isn’t drivable?
We’ll recover it from the scene and keep it safe in our secure storage facility.
We usually arrange a like-for-like replacement vehicle within 24 hours.
2 – Do you deliver the replacement vehicle to me?
Yes — to your home, workplace, or even directly from the accident recovery site.
3 – What if my car isn’t drivable?
We’ll recover it from the scene and keep it safe in our secure storage facility.
Confidence – Why choose us over your own insurer?
1 – Why shouldn’t I just go through my own insurer?
Because you may:
• Pay excess fees or extra charges for a courtesy vehicle
• Wait longer for a replacement car
• Receive a standard vehicle that doesn’t meet your needs (e.g. not TFL licensed)
• Lose control of how your claim is handled
• Face higher premiums at renewal
2 – Will this affect my no-claims bonus?
No — your no-claims bonus remains protected since all costs are claimed from the at-fault insurer.
Because you may:
• Pay excess fees or extra charges for a courtesy vehicle
• Wait longer for a replacement car
• Receive a standard vehicle that doesn’t meet your needs (e.g. not TFL licensed)
• Lose control of how your claim is handled
• Face higher premiums at renewal
2 – Will this affect my no-claims bonus?
No — your no-claims bonus remains protected since all costs are claimed from the at-fault insurer.