Need a car replacement

When your car is off the road, You still need to keep moving

After an accident, being without a car can turn everyday life into a struggle. Work, school runs, family responsibilities — none of these pause just because your vehicle is damaged. If the accident wasn’t your fault, you may be entitled to a replacement car after an accident. At Caledonia Claims, we help drivers across Scotland understand their options and arrange suitable replacement vehicles, while we handle the insurance process on your behalf. You don’t have to manage this alone.

Understanding replacement cars after an accident

Many drivers assume a replacement vehicle only comes as a short-term courtesy car after an accident, or that they have to accept whatever the insurer offers.

In reality, a non-fault accident replacement car is often different. If you were not responsible for the accident, you may be entitled to a like-for-like replacement car that allows you to continue your routine while your claim is being handled. Knowing the difference can make a stressful situation far more manageable.

What a replacement car means for you

Staying mobile while your claim is ongoing

If your vehicle isn’t safe or drivable, you shouldn’t be left struggling. A replacement vehicle after an accident is intended to keep you mobile, not to inconvenience you.

Depending on your circumstances, this may include:

A like-for-like replacement car similar to your own

A hire car after an accident, arranged while repairs or claims are ongoing

A replacement arranged independently of your insurer’s initial response

We take time to explain what applies to your situation, so you’re not left guessing or feeling pressured.

How we help arrange a replacement car

When you contact us about an accident replacement car, our focus is on reducing disruption to your life.

We help by

Confirming whether you’re eligible for a replacement car

Explaining the difference between a courtesy car and a replacement vehicle

Arranging a suitable vehicle as quickly as possible

Coordinating with insurers and third parties on your behalf

Keeping you updated throughout the process

In many cases, we can arrange a replacement car within 24 hours in Scotland’s major cities and within 48 hours elsewhere, depending on availability and circumstances.

Common Concerns About Replacement Cars

Many drivers hesitate to ask for a replacement vehicle because they’re unsure about costs or conditions. These are some common worries we hear:

Will I have to pay for the replacement car?

What if my insurer says no?

We address these questions clearly and honestly, so you can make informed decisions without pressure.

Will this affect my no-claims bonus?

Is a hire car after an accident different from a replacement car?

Replacement Cars for Non-Fault Accidents

If the accident wasn’t your fault, a non-fault accident replacement car may be provided without impacting your no-claims bonus. This is often separate from what your own insurer initially offers. Our role is to explain these options clearly and handle the process properly, so you’re not left negotiating on your own while already dealing with the impact of the accident.

Clear Fees and No Pressure

If we’re able to support your case, our services operate on a No Win, No Fee basis for eligible claims, with Scotland-specific fee caps explained upfront.

That means:

  • No hidden costs
  • No unexpected deductions
  • No obligation to proceed

We believe you should always understand your position before moving forward.

When Should You Contact Us?

You may want to speak to us if:

  • You need a replacement car after an accident
  • Your insurer has delayed or refused a replacement vehicle
  • You were offered only a short-term courtesy car
  • Your car is not drivable and you’re unsure what to do next
  • You’ve had a non-fault accident and want clarity on your rights

Even if you’re not sure whether you qualify, a short conversation can help clarify your options.

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