How to Get a Replacement PCO Car After a Non-Fault Accident
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Introduction
Being involved in an accident as a PCO-licensed Uber driver is stressful—but losing your ability to earn while your car is off the road makes it even worse. If the accident wasn’t your fault, you may be eligible for a free replacement vehicle while yours is being repaired or assessed. These are known as courtesy PCO cars, and getting one is easier than you might think—if you know the process.
This guide walks you through who qualifies, how to apply, and what to expect when getting a replacement PCO vehicle after a non-fault accident in London.
What Is a Courtesy PCO Car?
A courtesy PCO car is a fully licensed, Uber-approved replacement vehicle provided to you while your own car is off the road due to an accident. These vehicles are:
- Fully insured for private hire use
- Uber-ready (with PCO plate and stickers)
- Delivered to your location in most cases
They’re designed to keep you earning while insurance and repairs are sorted.
Who Is Eligible for a Replacement Car?
To get a courtesy PCO car, you must meet the following conditions:
- The accident wasn’t your fault (clear liability is essential).
- You reported the accident immediately to your insurer and the third party’s insurer.
- Your insurance is up to date and includes correct use (PHV/PCO).
- You have a valid PCO license, and your damaged car was also PCO-licensed.
If the fault is unclear or there’s a dispute, providers might delay issuing a replacement until liability is established.
How the Process Works (Step-by-Step)
- Report the Accident
- Notify your insurer within 24 hours.
- Get a copy of the accident report and third-party details.
- Call a Claims Management Company (CMC)
- They will assess your case and handle the process.
- If accepted, they’ll arrange a like-for-like replacement PCO car.
- Receive Your Courtesy Vehicle
- Most CMCs will deliver a fully insured Uber-ready car to your home or pick-up spot.
- You can use this car for Uber or other ride-hailing platforms as usual.
- Vehicle Return
- Once your vehicle is repaired, or compensation is paid (if it’s written off), you’ll return the courtesy car.
Important: Never admit fault at the scene. Liability is determined later—your eligibility depends on proving you weren’t at fault.
Documents You’ll Likely Need
- Driving licence
- PCO badge
- Insurance policy details
- Uber or Bolt profile screenshot
- Police/accident report number (if available)
When You Might Not Qualify
You may be denied a replacement if:
- You caused the accident
- You don’t have proof of Uber/PHV activity
- Your PCO documents or insurance aren’t valid
- You delayed reporting the incident
In some cases, you may still get help through your insurer’s standard courtesy car policy—but it may not be Uber-ready.
What’s Next?
Looking for trusted help after an accident? Check out our next blog: Best Claims Management Companies for Uber Drivers