Replacement Vehicle Cover
Maintain customer mobility while strengthening brand loyalty
Replacement Vehicle Cover keeps customers on the road after an accident, theft, or write-off, with a suitable replacement vehicle delivered wherever they are in the UK. One less thing for them to worry about, and one more reason to stay loyal to your brand.
Keeping Customers Moving
Replacement Vehicle Cover provides a hire vehicle following an accident or theft, and continuing to support the customer even if their vehicle is written off entirely. The product can be tailored to suit your business and your customers, from the vehicle types covered to the length of hire available, so the cover complements your customers' main policy rather than duplicating it. Hire is supported by a nationwide network of approved providers, meaning a replacement vehicle can be delivered to almost any location in the UK.
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A Suitable Replacement Vehicle
Customers are supplied with a car of a similar engine size to their own, or a van with similar capacity, so they're not left compromising on what they need.
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Total Loss Protection
Cover continues even if the customer's vehicle is written off following an accident, fire, or act of vandalism.
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Variable Hire Periods
Cover is available for 7, 14, 21, or 28 days of hire, so the product can be configured to suit different customer needs and risk appetites.
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Replacement if Stolen
If a customer's vehicle is stolen and not recovered, they're kept on the road with a replacement vehicle while the situation is resolved.
what the policy covers
Replacement Vehicle Cover built around real situations
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Accident
A replacement vehicle is provided while the customer's own vehicle is off the road following an accident.
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Theft
If the vehicle is stolen and not recovered, a replacement vehicle keeps the customer moving in the meantime.
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Total Loss or Write-Off
A replacement vehicle is provided where the customer’s own vehicle is written off due to an accident, fire, or vandalism.
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Cash or travel if hire isn’t possible
If a hire firm can’t supply a vehicle, for example because the driver doesn’t meet its hire terms, the customer still gets support. Depending on the policy, that’s either a cash payment or help with public transport costs.
A Wide Choice of Vehicles
Replacement Vehicle Cover flexes to suit the vehicles your customers actually drive, including:
- Small cars
- Estate cars and MPVs
- 4x4s
- Premier cars
- Vans
- Motorcycles
- Dual control vehicles
- Adapted vehicles
- Taxis
Why choose Coplus
Trusted Motor Ancillary Partner
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Industry experience since 1988
Getting a customer back on the road quickly depends on the claims service as much as the cover. Our experience in motor ancillary products means partners get a product that’s simple to sell and works when customers need it.
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Nationwide provider network
Our replacement vehicle hire is supported by a nationwide network of approved providers, so a suitable vehicle can be delivered to almost any location in the UK, keeping the experience convenient for customers wherever they are.
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In-house claims management expertise
Our in-house claims team handles replacement vehicle claims from the first call to arranging the hire vehicle. It’s the same team behind our wider claims services, so customers get a consistent, well-run experience from start to finish.
Our range of motor ancillary products
Related Motor Protection Products
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Breakdown Cover
Wide range of covers available which deliver reliable roadside support that enhances policy value.
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Car warranty
Cover for unexpected mechanical and electrical failures, giving customers financial protection and peace of mind long after the manufacturer’s warranty...
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Cosmetic Repair Insurance
Professional repair of the minor scrapes, scuffs and dents that everyday driving brings, damage that standard motor policies won’t cover.
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Helmets & Leathers Insurance
Covers the cost of replacing damaged helmets, leathers and protective riding equipment that standard motor policies often leave behind.
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Key Insurance
Cover for lost, stolen or broken keys, for both home and vehicle, as modern keys become costlier to replace.
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Motor Accident Injury Protection
Financial compensation for death or serious injury following a road accident, for the driver and any passengers in the vehicle.
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Motor Excess Protection
Reimburses the excess customers pay when they make a claim, across cars, taxis, commercial vehicles and more.
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Tools in Transit Insurance
Covers theft or damage to tools and equipment while they’re loaded, carried or unloaded, keeping tradespeople on the road and...
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Tyre & Alloy Cover
Cover for tyre and alloy damage from potholes, kerbs and road hazards.
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Windscreen Insurance
Fast, hassle free cover for chip and crack repair or replacement.
Frequently asked questions
Replacement Vehicle Cover FAQs
What does Replacement Vehicle Cover provide?
Replacement Vehicle Cover provides a hire vehicle if the customer’s vehicle is left unroadworthy, written off, or stolen and not recovered after an accident, fire, theft, attempted theft or malicious damage. Some policies also provide hire while the vehicle is being repaired.
How long can a customer have a replacement vehicle for?
For a set period while their vehicle is repaired, or until a total loss settlement is paid, as set out in the policy wording.
What happens if the customer's vehicle is written off?
The customer keeps their replacement vehicle up to the agreed period as stated within their policy, while the main insurer settles the claim, so they stay mobile.
Is there an alternative to taking a hire vehicle?
Options vary by policy. Our team can talk partners through what’s available for their customers.
Can this product cover commercial and specialist vehicles?
Replacement Vehicle Cover can be arranged for a range of vehicles. Our team can confirm the options for commercial and specialist vehicles.
How quickly can a replacement vehicle be delivered?
We aim to get customers back on the road as quickly as possible once the claim is accepted, with the vehicle delivered to a convenient location.
Get in touch
Trusted By Brokers and Insurers Across The UK
We work with brokers, insurers, and partners to deliver products and services that add value, strengthen relationships, and support customers when they need it most.
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Affinity & Partners
Start selling ancillary products in weeks with dedicated support and tech built for seamless integration.
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Brokers
Enhance customer value through flexible products, claims expertise and operational support.
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Insurers & MGAs
Access governed products, scalable claims operations and flexible distribution solutions.
Talk directly with the team
We aim to respond within 2 working days