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0800 387 607
Faultless Cars NZ
How to Get a Replacement Car After an Accident (Your Step-by-Step Guide)
Been in a crash that wasn’t your fault and not sure what happens after? At Faultless Cars NZ, we make getting back on the road simple and stress‑free. Our accident replacement car process is designed to protect your rights and keep you moving, without cost to you. Here’s exactly how to secure a like‑for‑like loan car after an accident, step by step.”
The 4-Step Process
Follow these steps to get a like-for-like replacement car while your own vehicle is being repaired following an accident that wasn't your fault.
Step 1:
Get in Touch With Us
Call 0800 387 607 or apply online in minutes.
We'll ask a few simple questions about your accident and claim - no complex paperwork, just straight answers to get you back on the road in a replacement vehicle quickly.
Step 2:
We Confirm Liability
We work with the at-fault insurer to confirm liability. It's important to know your rights so you understand the process but you don't need to chase anyone - we handle all the admin so you can focus on moving forward.
Step 3:
We Deliver Your Like-for-Like Car
Once approved, we deliver a clean, like-for-like replacement vehicle to your home, work, or repair shop - often within 24 hours. That means no unnecessary downtime.
Step 4:
Return When Your Car Is Repaired
Keep the replacement vehicle while your car is being repaired or until your claim is fully settled. When it's all sorted, we collect the loan car - simple, stress-free, and on your schedule.
Know Before You Go - Your Quick Guides
Still have questions about how to get a replacement car after an accident?
Frequently Asked Questions
Am I entitled to a free replacement car if I’m not at fault?
Yes. Under New Zealand’s Law of Torts, if you’re not at fault in a crash, you’re entitled to claim reasonable costs — including a like‑for‑like replacement vehicle — from the at‑fault party or their insurer. Click here to check your eligibility!
What documents do I need to apply?
We’ll need your driver’s licence, accident details, and claim information (if available). Our application process is simple, you can apply ohttp://www.faultlesscars.co.nz/apply-nownline or give us a call on 0800 387 607 and we can guide you through it in just a few minutes.
Do I have to use the insurer’s chosen provider?
No. You can choose your own replacement vehicle provider or even your own repairer! Insurers may suggest their “preferred supplier,” but you are legally entitled to use a company like Faultless Cars NZ to protect your rights and ensure you get a like‑for‑like car. Just remember to always check your policy wording for any fine details. If there is something you don't understand, your insurer has a duty to explain it to you in a way that you can understand.
How long can I keep the replacement vehicle?
You can keep the car for as long as your vehicle is being repaired or until your claim is settled. We’ll work with the at‑fault insurer to make sure you’re covered for the appropriate period. You can contact us if you have any questions about this.
Is there any cost to me for using Faultless Cars?
No. If you’re not at fault, we recover costs directly from the at‑fault party or their insurer — meaning no upfront costs for you.
Your Rights. Our Responsibility.
Under New Zealand's Law of Torts, if you're not at fault in an accident, you have the right to claim for your losses - including the cost of a replacement vehicle - from the at-fault party or their insurer. At Faultless Cars NZ, we make that process simple. We provide the car you're entitled too and handle the recovery directly, so you can keep moving without the stress, upfront costs, or insurer delays.
We're proud members of the Rental Vehicle Association (RVA) and follow it's strict Code of Conduct. That means clear communication, no hidden fees, and vehicles that meet all Waka Kotahi rental service licensing requirements - giving you peace of mind every step of the way.