Can I claim loss of earnings if I rent my PCO car rather than own it?

Yes. Renting does not remove your right to claim income lost because of someone else's negligence. In fact renters often have a larger overall loss, because the weekly rent obligation frequently continues under the agreement while the vehicle sits in a bodyshop, so you are paying out while earning nothing. Both the lost income and the continuing rent can form part of a properly presented claim. What matters is your specific agreement: providers differ on whether charges pause during an off-road period following a third party accident, and the terms are not consistently published. Read your accident and off-road clauses and get the provider's position in writing.

Is my loss of earnings claim based on gross fares or net profit?

Net, in almost all cases. Damages aim to restore the position you would have been in, not to hand you a windfall, and English law assesses lost earnings after allowing for the tax that would have been payable, following British Transport Commission v Gourley. Practically, you start from gross fares and deduct the variable costs you genuinely avoided by not working: platform commission and service fees, fuel or charging, and mileage-linked consumables such as tyres, servicing, cleaning and valeting. Costs that continued regardless, such as vehicle rent, finance, insurance and your annual PHV licence, are not deducted, because you kept paying them while parked.

What if my Uber or Bolt account is deactivated before I can download my statements?

This is the single most common evidential disaster for PCO drivers, which is why the advice is always to export statements immediately rather than when the claim is being prepared. If access is already gone, you are not finished, but you are working harder. Request historic statements through the platform's support channel in writing and keep the request. Meanwhile rebuild the picture from your bank statements, which show the actual platform payments landing, plus your accounts and your SA302 tax calculations from HMRC, available for the last four years once a return has been filed. That combination can still evidence a credible pre-accident baseline.

Does taking a replacement vehicle reduce what I can claim for lost earnings?

It changes the shape of the claim rather than weakening it, and it is usually to your advantage. Once you are back on the road you are earning again, so the pure earnings loss shrinks to the days genuinely lost before the replacement arrived, and the cost of the replacement becomes its own head of loss. Critically, moving quickly also satisfies your common law duty to mitigate. If you sit at home for weeks when a reasonable driver could have got back to work, the avoidable portion of the earnings loss may simply not be recoverable. Liability and eligibility always qualify what replacement vehicle can be provided.

How long do I have to bring the claim?

Under the Limitation Act 1980, claims in tort for financial and property loss are generally subject to a six year limitation period running from when the cause of action accrued, which covers vehicle damage, recovery and storage, hire and loss of earnings. Where the claim includes personal injury, the shorter three year period applies, running from the accident date or the date of knowledge if later. Treat neither as a plan. Platform accounts get deactivated, bodyshops close files, engineers move on and memories fade, so a claim assembled within weeks of the accident is materially stronger and easier to settle than the identical claim raised years later.

I only started driving recently and have not filed a tax return yet. Can I still claim?

Yes, though you will need to lean harder on other evidence. A newly self-employed driver has no SA302 to point to, so the weight shifts to platform earnings statements from the weeks you did work, bank statements showing those payments arriving, and your rental or finance agreement showing the cost base you took on. A shorter trading history means the insurer will scrutinise whether your claimed weekly figure is representative, so present the full period rather than cherry-picking your best week, and explain any pattern such as building up hours. Honest, complete and consistent evidence beats an optimistic figure every time.

What if I was partly to blame for the accident?

Split liability does not automatically end a loss of earnings claim, but it does affect what is recoverable. Where contributory negligence is agreed or found, damages are typically reduced by the proportion of responsibility attributed to you, so a claim assessed at a given value may settle at a percentage of it. Because the earnings figure is often the largest element, that reduction can be significant, which makes accurate evidence of what actually happened more valuable, not less. Gather photographs, dashcam footage, witness details and any police incident number early. Nobody can promise an outcome, and both liability and eligibility always qualify what support can be provided.

Can CityGrip deal with my injury claim as well?

No, not in-house. CityGrip Accident Claims is an accident management company. We handle recovery, secure storage, engineer inspection, repair coordination, credit hire or a like-for-like replacement PCO vehicle, and correspondence with the third party insurer, for car and van drivers. We do not act on personal injury ourselves and we do not deal with HGV, lorry, bus or coach claims. If you have been injured, we will only refer your injury enquiry to an authorised legal partner with your separate written consent, given specifically for that purpose. The vehicle, hire and loss of earnings side of your claim continues independently of that decision.

TfL-licensed London private hire

Loss of Earnings Claim for London PCO Drivers

If a non-fault accident has put your PCO car off the road, the lost income is usually worth far more than the dent. This guide sets out exactly how a self-employed London private hire driver proves and recovers it, and what to do in the first 48 hours.

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Reviewed: 28 July 2026Written & reviewed by: CityGrip Editorial Team (City Grip Ltd)Applies to: TfL-licensed private hire drivers in London

How does a London PCO driver claim loss of earnings after a non-fault accident?

You claim it as a separate head of loss against the at-fault driver's insurer. You have to prove what you genuinely earned before the accident and what you lost while off the road. The strongest evidence is your platform earnings statements from Uber, Bolt, Addison Lee or FREENOW, cross-checked against bank statements, your accounts and your SA302 tax calculations. The figure is normally assessed net of tax and running costs rather than on gross fares. Take a like-for-like replacement vehicle quickly, because that both keeps you earning and satisfies your duty to mitigate. Liability and eligibility always apply.

Key points

Financial and property losses in tort are generally subject to a six year limitation period under the Limitation Act 1980, but three years applies where personal injury is involved.
Damages for lost earnings are normally assessed net of the tax that would have been payable, following British Transport Commission v Gourley [1956] AC 185.
HMRC evidence of earnings, the SA302 tax calculation, is available for the last four years once a Self Assessment return has been filed.
Private hire driver licences granted on or after 1 July 2024 carry a condition to notify TfL within 48 hours of any arrest and release, charge, caution or conviction, including DVLA penalty points.
Every private hire vehicle licensed for the first time since 1 January 2023 must be Zero Emission Capable and meet the Euro 6 standard where an internal combustion engine is fitted.
London PHV licensing sits with Transport for London's Taxi and Private Hire directorate, though drivers still widely call it the PCO licence after the former Public Carriage Office.
CityGrip supports car and van drivers only, not HGV, lorry, bus or coach; personal injury is referred to an authorised legal partner solely with separate written consent.

01PCO DRIVERS

Why loss of earnings is usually the largest single loss for a PCO driver

For most London private hire drivers the car is not a convenience, it is the entire business. A licensed PHV is the only asset that turns a PCO licence into income, and the moment it is undriveable the income stops the same day. A repair that an insurer's engineer might describe as modest, a bumper, a quarter panel and a sensor recalibration, can still keep a car in a bodyshop for weeks once parts availability and inspection slots are factored in. Across those weeks the repair bill might be a four figure sum, while the earnings a full time driver has lost can quietly become the biggest number in the whole file.

That imbalance is why loss of earnings deserves as much attention as the repair itself, and why it is so often under-claimed. Drivers who have never made a claim before tend to assume the insurer will simply sort the car out and that is the end of it. In reality the vehicle damage, the recovery and storage, the replacement vehicle and the lost income are all separate heads of loss, and the earnings element is the one that nobody will build for you. If you do not evidence it and present it, it does not get paid, no matter how obviously real the loss was.

The position is sharper still for London drivers because the fixed costs of being a PCO driver do not pause when the work does. Vehicle rent or finance keeps running. Hire and reward insurance keeps running if you own the car. The annual private hire vehicle licence, the three yearly driver licence renewal cycle, the DBS Update Service subscription and the medical requirements all sit in the background regardless of whether you turned a wheel that week. A driver who is off the road for a month is not simply earning nothing, they are frequently paying out while earning nothing, and both sides of that gap belong in a properly presented claim.

02PCO DRIVERS

The evidence that actually carries weight, and why you download it today

The single most useful document a London PCO driver holds is the platform earnings statement. Uber, Bolt, Addison Lee and FREENOW all generate periodic statements showing trips, gross fares, service fees and net payments. On the Uber driver platform these sit under the earnings and statements area and can be exported, commonly as a CSV as well as a viewable statement. What makes them powerful in a claim is that they are contemporaneous, third party generated and granular. They show a genuine week by week pattern rather than a round number a driver has quoted from memory, and that pattern is what allows a realistic pre-accident average to be built.

Download them now rather than later. This is the part drivers most often get wrong. Platform account access can be suspended or deactivated for reasons that have nothing to do with the accident, including a licensing issue, a document expiry, a rating or compliance review, or simply the account going dormant because you have not worked since the crash. Once access is gone, retrieving historic statements becomes a support request with no guaranteed outcome and no useful timescale. Export at least twelve months of statements to a folder on your own device and to your own email while you can still log in, and do the same for every platform you drive on, not just your main one.

Around the platform statements you want three supporting layers. First, personal and business bank statements covering the same period, because they independently corroborate the money actually landing. Second, your accounts or bookkeeping records if you use an accountant, showing turnover and allowable expenses. Third, your SA302 tax calculations, the HMRC evidence of earnings you can obtain once a Self Assessment return has been filed, and which is available for the last four years. Add your rental agreement or finance agreement, because it proves both the cost you were carrying and the terms you are locked into. Together these four layers turn an assertion into a documented, cross-checked loss.

PCO DRIVERS

Section 3 of the walkthrough.

Net or gross: how the earnings figure is actually built

Damages exist to put you back in the position you would have been in had the accident not happened, no better and no worse. That principle drives the whole calculation. In English law, damages for lost earnings are normally assessed net rather than gross, and the leading authority remains British Transport Commission v Gourley [1956] AC 185, where the House of Lords held that allowance must be made for the income tax that would have been payable on the earnings had they actually been received. A claim built on headline gross fares will therefore be reduced, sometimes heavily, and a driver who anchors on that number is setting themselves up for disappointment.

For a PCO driver the practical effect is that the relevant figure is the profit the vehicle was generating, not the money passing through the account. Start with gross fares, then take off the costs you genuinely avoided by not working. Platform commission and service fees come off because no commission is charged on trips you did not do. Fuel or charging comes off for the same reason, and for an electric PHV that means the actual charging spend, which varies enormously between home charging and public rapid charging. Consumables that track mileage, tyres, servicing intervals, cleaning and valeting, sit in the same category.

What does not come off is anything you kept paying while parked. Vehicle rent is the obvious one, and it is discussed in its own section below because it changes the shape of the claim. Finance instalments, insurance premiums, the PHV licence and other fixed annual costs also continue. This is why the net calculation is not a simple percentage haircut. Done properly it is a line by line separation of avoided variable costs from unavoided fixed costs, using your own statements rather than a generic assumption. That distinction is frequently where a well-evidenced claim and a poorly presented one diverge by thousands of pounds.

04PCO DRIVERS

Your duty to mitigate, and why a replacement PCO car protects the claim

Anyone bringing a claim has a common law duty to take reasonable steps to mitigate their loss. You cannot sit at home for eight weeks, let the earnings loss accumulate, and then send the bill to the other side's insurer. If a reasonable driver in your position could have got back to work sooner, the insurer will argue that the avoidable portion of the loss is not recoverable, and courts have consistently supported that approach. For a PCO driver, mitigation has a very concrete meaning: sourcing a licensed, insured, platform-eligible replacement vehicle as quickly as circumstances reasonably allow.

This is the point where getting a like-for-like replacement vehicle in place does double duty. It restores your income immediately, which is the outcome you actually care about, and it simultaneously demonstrates that you behaved reasonably, which strengthens the rest of the claim. It also reframes the loss. Instead of an open-ended earnings claim running for the whole repair period, you have a short earnings gap covering the days genuinely lost, plus a hire claim for the replacement. Insurers are far more comfortable with that shape, and it is generally easier to evidence and settle.

The replacement has to be genuinely usable, which in London means more than any car with four wheels. It needs to be licensed as a private hire vehicle by TfL and carry hire and reward cover, and it needs to be acceptable to the platform you drive for. Bear in mind that any vehicle being licensed as a PHV for the first time has had to be Zero Emission Capable since 1 January 2023, meaning battery electric or hydrogen fuel cell, or a plug-in hybrid emitting no more than 50g/km CO2 with at least a 10 mile zero emission range, or no more than 75g/km with at least 20 miles. A courtesy car from a general repairer is very unlikely to meet any of this. Liability and eligibility always qualify what can be provided.

05PCO DRIVERS

How insurers challenge a self-employed PCO earnings claim

Third party insurers challenge self-employed earnings claims far more aggressively than employed ones, for the simple reason that there is no payslip and no employer to confirm the loss. Expect the first line of attack to be the baseline itself. If you present a weekly figure that is higher than your last filed tax return implies, that gap will be put to you directly, and you will need a credible explanation such as a change in hours, a move to a busier platform, a seasonal pattern or a recent switch to full time driving. This is precisely why a twelve month run of statements beats a three week snapshot taken from your best trading period.

The second line of attack is the length of the off-road period. Insurers scrutinise gaps: the days between the accident and the engineer's inspection, between authority and parts ordering, and between repair completion and collection. Delay that is genuinely outside your control is recoverable, but delay you caused or failed to chase is exactly what gets stripped out. Keep dated evidence of every step so the timeline defends itself. A short written log of who you contacted and when, backed by emails and messages, is unglamorous but it is often the difference between a full period being accepted and a fortnight being knocked off.

The third line is expenses and, where a replacement vehicle is involved, the question of whether you could have paid for hire yourself. If impecuniosity is in issue, you may be asked to produce bank and credit card statements to show what you could realistically have funded up front, and if you are not impecunious the at-fault insurer must then show that a comparable vehicle was available to you at a lower rate. None of this is a reason to be nervous. It is a reason to be organised, because every one of these challenges is answered by documents you either already hold or can obtain in an afternoon.

06PCO DRIVERSKey takeaway

Rented and rent-to-buy PCO cars when the rent keeps running

A large share of London PCO drivers do not own the car they drive. They rent it weekly, or they are part way through a rent-to-buy arrangement that builds towards ownership over a multi-year term. When one of those vehicles is damaged in a non-fault accident, the driver hits a very unfair looking situation: the car is in a bodyshop earning nothing, but the weekly rent obligation is often still live under the agreement. That continuing rent is a real, quantifiable loss flowing from the accident, and it belongs in the claim alongside the lost earnings rather than being written off as bad luck.

How that plays out depends almost entirely on the specific wording of your own agreement, and this is where honest advice matters more than a confident guess. Some providers pause or reduce charges while a vehicle is off the road following a third party accident, some do not, some substitute a replacement vehicle themselves, and some treat the driver as responsible for the excess or for the damage entirely. There is no single market standard and the terms are not consistently published. Read the sections of your agreement dealing with accidents, off-road periods, insurance excess and early termination, and if the wording is unclear, ask the provider to confirm their position in writing before you assume anything.

The same honesty applies to total losses on rent-to-buy plans. Drivers reasonably ask what happens to the equity they have built up if the car is written off. Providers do not generally publish how that equity is treated on a total loss, and the answer genuinely varies from one contract to another. We will not invent a figure or a rule for you. Find the total loss or write-off clause in your own agreement, read what it says about insurance settlement, outstanding balance and any accrued ownership contribution, and get written confirmation from the provider. Whatever it says, keep the agreement itself in your claim bundle, because it evidences both your cost base and your contractual exposure.

07PCO DRIVERS

Time limits, TfL notification duties and keeping your licensing position clean

Claims do not stay open indefinitely. Under the Limitation Act 1980, an action founded in tort for financial and property loss must generally be brought within six years of the cause of action accruing, which covers vehicle damage, storage, hire and loss of earnings. Where the claim includes personal injury, the shorter three year period under section 11 applies, running from the date of the accident or the date of knowledge if later. In practice you should never be planning around either deadline. Evidence decays, platforms deactivate accounts, bodyshops close files and witnesses forget, so a claim presented within weeks is worth far more than the same claim presented within years.

Running in parallel is your licensing position, which has tightened. Private hire driver licences granted on or after 1 July 2024 carry a condition requiring the driver to notify TfL within 48 hours of any arrest and release, charge, caution or conviction, including driving offences that put penalty points on your DVLA licence, and where a matter is dealt with by a fixed penalty notice the notification runs from accepting it and paying. Drivers holding licences granted before that date have been subject to a 21 day notification requirement for new convictions and cautions, and TfL has encouraged early adoption of the 48 hour standard. Being a non-fault party in a collision is not itself a reportable event, but if anything arising from an incident results in one of those outcomes, the clock is short and it is unforgiving.

Keep the two tracks separate but synchronised. Your claim file wants the accident report, the engineer's report, the repair timeline, the platform statements, the bank statements, the SA302s and the rental or finance agreement. Your licensing file wants your PHV vehicle licence, MOT, hire and reward insurance and any notification you have made to TfL. CityGrip Accident Claims handles the accident management side for car and van drivers, covering recovery, secure storage, engineer inspection, repair coordination, credit hire or a like-for-like replacement PCO vehicle and correspondence with the third party insurer. We do not handle personal injury in-house. If you have been hurt, we will only refer you to an authorised legal partner with your separate written consent, and we will never promise you an outcome, because liability and eligibility always qualify what can be recovered.

Step by step

What to do next

1Export every platform earnings statement today. Log in to each platform you drive on, Uber, Bolt, Addison Lee, FREENOW or any other, and download at least twelve months of earnings and payment statements. Export the CSV as well as the viewable statement where offered. Save copies to your own device and email them to yourself. Do this before anything else, because if an account is deactivated or suspended for any reason you may lose the ability to retrieve historic statements, and no other document reconstructs your trading pattern as convincingly.
2Record the accident and get liability moving. Capture the other driver's details, registration, insurer and policy number, plus photographs of both vehicles, the road position, any damage and the surrounding scene. Note the exact date and time you stopped working. If police attended, record the incident number. Report the accident promptly so the third party insurer is on notice and liability can be pursued. The earlier liability is established, the earlier a replacement vehicle and the earnings element can realistically be progressed.
3Get a like-for-like PCO replacement vehicle in place fast. Do not wait passively for a repair. Arrange a TfL licensed private hire replacement carrying hire and reward cover and acceptable to your platform, so you can keep working. This restores income immediately and demonstrates that you took reasonable steps to mitigate, which strengthens the whole claim. A standard courtesy car from a general repairer will usually not be licensed or insured for private hire work, so check before you accept one. Liability and eligibility always apply to what can be provided.
4Assemble the financial paperwork trail. Gather personal and business bank statements covering the same period as your platform statements, your accounts or bookkeeping records, and your SA302 tax calculations from HMRC, which you can obtain for the last four years once a Self Assessment return has been filed. Add your rental, rent-to-buy or finance agreement. These four layers corroborate each other and answer the challenges an insurer is most likely to raise about your pre-accident baseline.
5Keep a dated off-road diary. From day one, log every date that matters: the accident, recovery, the engineer's inspection, repair authority, parts ordering, the repair start, completion and collection, and the date you resumed work. Note every call, email and message with the bodyshop, insurer and any provider. Insurers routinely attack the length of the off-road period, and a contemporaneous timeline showing that delays were outside your control is the cheapest and most effective defence you can build.
6Check your rental or finance agreement clauses. Read the specific clauses in your own agreement covering accidents, off-road periods, insurance excess, early termination and total loss. Providers vary widely and the terms are not consistently published, so do not assume that rent pauses or that rent-to-buy equity is protected if the car is written off. If the wording is unclear, ask your provider to confirm their position in writing, and keep that confirmation with your claim documents.
7Meet your TfL notification duties on time. If your private hire driver licence was granted on or after 1 July 2024, it carries a condition to notify TfL within 48 hours of any arrest and release, charge, caution or conviction, including driving offences that result in DVLA penalty points, and from acceptance and payment where a fixed penalty notice is involved. Licences granted earlier have been subject to a 21 day requirement for convictions and cautions. Handle this separately from the claim, but do not let it slip.
8Present the claim promptly, well inside the limitation period. Financial and property losses in tort are generally subject to a six year limitation period under the Limitation Act 1980, and three years where personal injury is involved. Never plan around those outer limits. Evidence degrades, accounts get deactivated and files get closed. Submit a documented earnings claim while the paperwork is fresh, and if you were injured, remember that injury is handled separately and only referred to an authorised legal partner with your own separate written consent.

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Frequently asked questions

Can I claim loss of earnings if I rent my PCO car rather than own it?: Yes. Renting does not remove your right to claim income lost because of someone else's negligence. In fact renters often have a larger overall loss, because the weekly rent obligation frequently continues under the agreement while the vehicle sits in a bodyshop, so you are paying out while earning nothing. Both the lost income and the continuing rent can form part of a properly presented claim. What matters is your specific agreement: providers differ on whether charges pause during an off-road period following a third party accident, and the terms are not consistently published. Read your accident and off-road clauses and get the provider's position in writing.
Is my loss of earnings claim based on gross fares or net profit?: Net, in almost all cases. Damages aim to restore the position you would have been in, not to hand you a windfall, and English law assesses lost earnings after allowing for the tax that would have been payable, following British Transport Commission v Gourley. Practically, you start from gross fares and deduct the variable costs you genuinely avoided by not working: platform commission and service fees, fuel or charging, and mileage-linked consumables such as tyres, servicing, cleaning and valeting. Costs that continued regardless, such as vehicle rent, finance, insurance and your annual PHV licence, are not deducted, because you kept paying them while parked.
What if my Uber or Bolt account is deactivated before I can download my statements?: This is the single most common evidential disaster for PCO drivers, which is why the advice is always to export statements immediately rather than when the claim is being prepared. If access is already gone, you are not finished, but you are working harder. Request historic statements through the platform's support channel in writing and keep the request. Meanwhile rebuild the picture from your bank statements, which show the actual platform payments landing, plus your accounts and your SA302 tax calculations from HMRC, available for the last four years once a return has been filed. That combination can still evidence a credible pre-accident baseline.
Does taking a replacement vehicle reduce what I can claim for lost earnings?: It changes the shape of the claim rather than weakening it, and it is usually to your advantage. Once you are back on the road you are earning again, so the pure earnings loss shrinks to the days genuinely lost before the replacement arrived, and the cost of the replacement becomes its own head of loss. Critically, moving quickly also satisfies your common law duty to mitigate. If you sit at home for weeks when a reasonable driver could have got back to work, the avoidable portion of the earnings loss may simply not be recoverable. Liability and eligibility always qualify what replacement vehicle can be provided.
How long do I have to bring the claim?: Under the Limitation Act 1980, claims in tort for financial and property loss are generally subject to a six year limitation period running from when the cause of action accrued, which covers vehicle damage, recovery and storage, hire and loss of earnings. Where the claim includes personal injury, the shorter three year period applies, running from the accident date or the date of knowledge if later. Treat neither as a plan. Platform accounts get deactivated, bodyshops close files, engineers move on and memories fade, so a claim assembled within weeks of the accident is materially stronger and easier to settle than the identical claim raised years later.
I only started driving recently and have not filed a tax return yet. Can I still claim?: Yes, though you will need to lean harder on other evidence. A newly self-employed driver has no SA302 to point to, so the weight shifts to platform earnings statements from the weeks you did work, bank statements showing those payments arriving, and your rental or finance agreement showing the cost base you took on. A shorter trading history means the insurer will scrutinise whether your claimed weekly figure is representative, so present the full period rather than cherry-picking your best week, and explain any pattern such as building up hours. Honest, complete and consistent evidence beats an optimistic figure every time.
Will being off the road affect my TfL licensing position?: Being off the road after a non-fault accident is not itself a licensing problem, and a collision where you were not at fault is not a reportable event on its own. What matters is anything that flows from an incident. If your driver licence was granted on or after 1 July 2024 it carries a condition to notify TfL within 48 hours of any arrest and release, charge, caution or conviction, including driving offences that result in DVLA penalty points, and where a fixed penalty notice is involved the clock runs from accepting it and paying the fine. Licences granted earlier have been subject to a 21 day requirement for convictions and cautions.
What if I was partly to blame for the accident?: Split liability does not automatically end a loss of earnings claim, but it does affect what is recoverable. Where contributory negligence is agreed or found, damages are typically reduced by the proportion of responsibility attributed to you, so a claim assessed at a given value may settle at a percentage of it. Because the earnings figure is often the largest element, that reduction can be significant, which makes accurate evidence of what actually happened more valuable, not less. Gather photographs, dashcam footage, witness details and any police incident number early. Nobody can promise an outcome, and both liability and eligibility always qualify what support can be provided.
Can CityGrip deal with my injury claim as well?: No, not in-house. CityGrip Accident Claims is an accident management company. We handle recovery, secure storage, engineer inspection, repair coordination, credit hire or a like-for-like replacement PCO vehicle, and correspondence with the third party insurer, for car and van drivers. We do not act on personal injury ourselves and we do not deal with HGV, lorry, bus or coach claims. If you have been injured, we will only refer your injury enquiry to an authorised legal partner with your separate written consent, given specifically for that purpose. The vehicle, hire and loss of earnings side of your claim continues independently of that decision.

Important notice for PCO drivers

Liability remains subject to the at-fault driver's insurer's assessment and the available evidence. Replacement vehicle, credit hire, recovery, storage, repair and loss of earnings support are subject to eligibility, the evidential record and reasonable need. We do not provide legal advice and we do not handle personal injury in-house: injury enquiries are referred only with your separate written consent to authorised legal or regulated partners. Information about TfL private hire licensing, Zero Emission Capable standards, vehicle age limits and notification duties is general guidance, not legal or licensing advice, and the position applying to your own licence at the relevant date will govern. Rental, rent-to-buy and finance terms vary between providers: always check the specific clauses in your own agreement.

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