Credit Hire was established in the early eighties to assist the innocent driver in the event of a road traffic accident. For the vast majority of drivers a car is essential to meet their daily commitments. Equally very few people have the financial resources to hire another vehicle if they have been denied the use of their own by another persons negligence and Credit hire is the only answer to many in this situation.

Spectra supply replacement vehicles on a ‘credit hire’ basis to those clients’ who have been involved in non-fault motor accidents. Subject to the assessment of liability we can deliver an appropriate vehicle anywhere in the UK within 4 hours.

Spectra’s aim is to supply a vehicle suitable for your needs, for example a tradesman who carries equipment would be given a van in order for him to continue business whilst his vehicle is off the road.

In repairable cases you will have use of the replacement vehicle for the time it takes for your own vehicle to be repaired. In the event that your vehicle is deemed a total loss you will be able to use the vehicle for up to 7 days after you have received your settlement cheque for the pre accident value of your vehicle (providing there are no unreasonable delays).

The hire charges you incur are then sent to the negligent driver’s insurance company for payment in line the Association of British Insurers Third Party Agreement. Payment of the hire account is then made direct to Spectra.

Spectra are an independent company we have no affiliation with any parties. We act only in your best interest.

Garry Patterson

“I would recommend Spectra, I received a 1st class service. I was provided with a similar car and all the information i was told would happen happened.Great service, Fantastic staff.”