BLACKSTONE
A customer talks with a service advisor holding a clipboard beside a silver hatchback in late-afternoon light.

Replacement vehicles

Being without a car while yours is repaired can be disruptive. Depending on your situation, a replacement vehicle may be available. Here's how it typically works and what to check.

Start an accident enquiry

When a replacement car may be available

  • Your own policy: some comprehensive policies include a hire car after an accident, often only when you weren't at fault, for a limited number of days or up to a dollar limit. Check your policy wording or product disclosure statement.
  • Claiming against the at-fault driver: if another driver caused the accident, the reasonable cost of a replacement vehicle may be recoverable from them or their insurer — but only if liability is accepted and the need and cost are considered reasonable.
  • Paying privately: you can always hire a vehicle yourself and decide later whether to seek reimbursement.

Before you sign a hire agreement

Replacement vehicles are usually supplied under a separate hire agreement. Read it carefully, and check:

  • Who is responsible for the hire charges if the other insurer disputes or refuses the claim.
  • The daily rate, any fees, the excess or damage liability while you have the car, and fuel and kilometre conditions.
  • How long you can keep the car and what happens when the repair is finished.
  • Whether signing gives anyone authority to act for you in a claim.

Consumer Affairs Victoria has guidance on car hire, including unfair terms in vehicle hire contracts. If you're unsure, ask before you sign, and seek independent advice if you need it.

Light trails on a wide multi-lane Melbourne freeway at dusk, the city skyline glowing on the horizon
Evening traffic on a Melbourne freeway, the kind of drive many repairs and services start with. Illustrative scene.

How we help

If you need a car while yours is with us, tell us in your enquiry. We'll explain what may be available in your situation, help you understand the conditions, and coordinate timing with the repair so you're not left waiting. We won't make promises about what a replacement car will cost you, because that depends on the insurers and the outcome of the claim.

A service advisor hands car keys to a smiling customer beside her repaired dark sedan at dusk.
When your car is ready, we hand it back and walk you through the work.Illustrative scene

Need a car while yours is repaired?

Mention it in your enquiry and we'll talk you through the options that may apply.

Start an accident enquiry