Quote:
Originally Posted by SlowOne
Always taken it out, never needed it. In these days when there are so many scams, number plate cloning and the really dodgy 'contract hire' brigade, and ever-larger lawyers feesonly. 
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Motor claims are dealt with by way of predictive costs £800 + 20% of the total value of the claim plus disbursements (medical report, engineers report ect).
In regard to credit hire, innocent party can hire a vehicle on "credit" and then recover it from the at fault party as a head of claim, however a claimant responsible for any outstanding amount that is not recovered. This often happens were the claimant fail to mitigate there losses, which is a whole different topic.