An Accident Loan Car is also known as an Accident Replacement Vehicle. These are cars provided to not at-fault drivers involved in a multi-vehicle accident by credit hire businesses such as Right2Drive, for use whilst the damaged vehicle is being repaired or notification of total loss is confirmed.
What is an Accident Loan Car?
Who pays for the Accident Loan Car?
While you have incurred the cost of the loan car, once your car has been repaired or you have been notified it is a total loss, we will invoice the at-fault party for payment and recover the costs of the loan car on your behalf. We recover the payment on your behalf.
Is an Accident Loan Car different from a rental car?
In a word, yes.
- Right2Drive delivers the car to you - either to the accident scene (if your car is towed), your office, home or repairer.
- Right2Drive claim the rental fee from the at-fault driver or their insurer on your behalf so you don't have to.
- When your car is repaired you simply leave our car at the repairer and drive away in your car.
- We offer the broadest fleet range so you can be placed in a car comparable to your own.
- Our customer service team is available 24/7.
- We provide our service across all of Australia and New Zealand.
What rights do not at-fault drivers have?
Not at-fault drivers are entitled to:
- An accident loan car supplier of their choice.
- Access an accident loan car whilst their car is repaired with the cost covered by the at-fault part or their insurer.
How do you know if you're eligible?
If you are not at-fault in a multi-vehicle accident and provided the cost of the rental vehicle can be recovered from an at-fault party or their insurer, you may be entitled to a car whilst yours is repaired.
To find out if you are eligible you can complete our online eligibility questionnaire here. You can also complete an online application here and our specialist team will review and assess it. Following this, we will call you to discuss your application and we may require additional information.
If you would like to speak with someone you can call us on 0800 004 203.
What happens if the at-fault insurer doesn't pay the bill?
Unfortunately some times the insurer does not pay the bill for the rental car. If this is the case Right2Drive will commence legal proceedings in your name against the at-fault party's insurer to recover the costs. Or if deemed viable, we will pursue the at-fault driver directly for damages. We do not charge not at-fault drivers for the legal fees.
What information do you need to apply for an Accident Loan Car?
To enable Right2Drive to claim the costs from the at-fault party's insurer we require:
- Not at-fault car owner & driver details including rego and insurance information.
- At-fault car owner details including rego and insurance information.
- Details about the car accident.
- Witness information.
Why choose Right2Drive?
- We have helped over 230,000 drivers get back on the road.
- We offer a broad fleet range which means you can be placed in a like-for-like car.
- We deliver car to you - at the accident scene, repairer, home or office.
- We pride ourselves on providing world-class customer service.
- We are available 24/7.
- We take care of the bill recovery from the at-fault party or their insurer.
Will I need to pay for anything?
If you're not at-fault you do not have to pay the daily rental fees or the delivery/pickup fee. These fees are payable by the at-fault party or their insurer.
We require a credit card just as security, in case the car is returned and needs fuel, you incur any tolls or traffic infringements, requires cleaning or for unfair wear & tear. An administration fee may be applied to the processing of these charges.
Business Customers
If the owners vehicle is registered for business (BUSG), the owner is required to pay the GST component of the hire cost at the end of the hire period. The owner is entitled to claim back the GST on their BAS.
What should I do if I have an accident in a Right2Drive car?
Call us on 0800 004 203.
What do I have to pay if I have an accident in a Right2Drive car?
Drivers can reduce the damage excess payable amount from $3,500 to $750, or an amount equivalent to their own insurance excess, by paying the daily excess waiver. This fee is payable by at-fault drivers or their insurer.
How can I get in contact with Right2Drive?
You can get in touch with us:
- Phone: 0800 004 203
- Email: info@right2drive.co.nz
- Your local branch
What are Accident Replacement Vehicles?
Also known as Accident Loan Cars, Right2Drive provides car owners who have been involved in an accident, which isn't their fault, a replacement car with the costs covered by the at-fault party's insurer whilst their car is repaired.
How do we do this?
In New Zealand, car owners who are involved in a not at-fault accident are entitled to a replacement car - whilst their car is repaired or, if their car is deemed a total loss, until their claim is settled. The costs of the rental car are recovered by Right2Drive from the at-fault party or their insurer.
What to do if you're in an accident and it's not your fault.
- Collect the at-fault driver's contact details including insurance information.
- Lodge the accident claim with your insurer.
- Book an Accident Loan Car with Right2Drive.
Can I borrow a car if I am at fault?
Yes, Right2Drive provides rental cars at competitive daily rates. You can view our daily rental rates here.
I am a motorcycle rider, am I eligible for a replacement vehicle?
Yes, as long as you are not at fault, there is an insured at fault party and you have a current car licence, you will be eligible for an accident loan car in most circumstances.
Do I need to provide a credit card?
We require a credit card just as security, in case the car is returned and needs fuel, you incur any tolls or traffic infringements, requires cleaning or for unfair wear & tear.
An administration fee may be applied to the processing of these charges.
Are there any restrictions to book a car with Right2Drive?
We require customers to be 18 years or older and they must have a provisional or full driver's licence.
Where are your branches located?
We have branches across New Zealand & Australia:
New Zealand
- Auckland
- Christchurch
- Hamilton
- Wellington
New South Wales
- Albion Park
- Botany
- Brookvale
- Central Coast
- Moorebank
- Narellan
- Newcastle
- Peakhurst
- Seven Hills
Queensland
- Archerfield
- Gold Coast
- Northgate
Western Australia
- Canning Vale
- Wangara
South Australia
- Port Adelaide
- Salisbury
Victoria
- Coburg
- Dandenong
What do your daily rental rates include?
Our daily rental rates include GST and 24hr Breakdown Assistance.
0800 004 203