OPTIONAL EXTRAS
Hire Car Cover
Access to a replacement car if yours is stolen or written off.
Add Hire Car Cover
What's Covered.
If your car is stolen or written off following an insured incident, Hire Car Cover helps you stay on the road. You can make a maximum of two claims per policy year.
Read policy wording
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Covered where a courtesy car doesn't apply
Your Hire Car Cover depends on what type of Motivo Car Insurance you have:
- Comprehensive: accidents, theft, fire, flood, storm or malicious damage
- Third Party, Fire & Theft: theft and fire incidents only
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Hire car for up to 21 days
You'll receive a hire car for up to 21 days. If a hire car can't be provided you'll receive £20 per day instead. -
Eligibility
To use Hire Car Cover, you must:
- Be aged between 18 - 85
- Hold a full UK driving licence
- Have held your licence for at least 12 months
These requirements also apply to any named drivers. Named drivers who do not meet these criteria will not be able to use the hire car.
Making a Hire Car Claim
If Hire Car Cover is included in your policy, head to Your Account to start a claim as soon as possible after the accident.
Answers to important questions.
Explore All FAQsWhat sort of hire car will I get with Hire Car cover?
The hire car will generally be a Group A car (e.g. a small hatch back such as Ford KA or similar, and, can be either a 3 or a 5 door vehicle).
View full details of our Hire Car Cover here.
Can I upgrade my Hire Car?
You can upgrade the Hire Car, subject to availability, but any additional costs are to be paid by the policyholder.
View full details of our Hire Car Cover here.
I have access to another car so do I need Hire Car cover?
In the event that your car's written off or stolen (where your car is deemed beyond economical repair following an accident or theft) there might be an occasion where a friend or family member may need to use the other car, during the time it takes to settle your claim.
Adding Hire Car Cover would be more convenient for you and a lot less hassle.
View full details of our Hire Car Cover here.
What is covered by Motivo's Hire Car Cover?
What am I covered for?
• A Group A vehicle (e.g. 1.0 litre car)
• Any driver of the insured vehicle as named on your Certificate of Insurance
• Any incident where the insured vehicle is rendered a total loss
• Any incident where the insured vehicle has been stolen and remains unrecovered
• A maximum of two claims in any one period of insurance
• A Hire Car policy must be in place at the time of the insured incident
• You can have a hire car for up to 21 days in a row after an insured incident, or for at least 5 days after we pay your total loss claim
What isn't covered?
• If you keep the hire car for longer than 21 days, or longer than 5 days after we pay your total loss claim (whichever comes first), you will need to pay any extra hire charges yourself
• A maximum of two claims can be made within the period of insurance
• The insured person must be a full UK driving licence holder aged 18 years upwards and have held a full UK driving licence for a minimum of one year
• The insured person may have to provide comprehensive insurance for the hire car
• All fuel, fares, fines and fees relating to the hire car whilst in your possession
• Any claim where you are not covered under the terms of your Motivo motor policy
• Any claim where the insured vehicle has been stolen which hasn't been reported to the police
What is the difference between a Courtesy Car and Hire Car?
A Motivo comprehensive policy includes a courtesy car as standard. A courtesy car will be available to you if your car is being repaired with one of our approved repairers (subject to availability) following a claim.
If your car's a write off (where your car is deemed beyond economical repair following an accident or theft), or stolen and not recovered, you won't be supplied with a courtesy car.
Hire Car Cover is available for an additional premium and will cover you if your vehicle is written off or stolen. View full details of our Hire Car Cover.