Reasonable period is the phrase that decides how long you keep the car, and it is the one most likely to be argued about later. It is not a fixed number of days, which is unhelpful when you just want to know where you stand.
So here is what it means in each scenario, what makes it longer, and what makes it shorter.
How long can you keep the hire car?
For as long as you genuinely need it, judged objectively. The test is not how long you would like the car, and it is not an arbitrary cap set by the paying insurer. It is the period a reasonable person in your position would need a replacement vehicle.
In practice that splits into two very different situations, depending on whether your car is being repaired or has been written off.
If your car is being repaired
You keep the replacement until your own car is repaired and back with you, including the time spent waiting for an engineer's inspection, waiting for authorisation, and waiting for parts.
Delays caused by the repairer or the parts supply chain are not your fault and do not shorten your period. A three week wait on a back-ordered part is part of the repair, not an indulgence. What matters is that the repair is progressing and that you are not the cause of the hold-up.
If your car is written off
If your vehicle is written off, we confirm the applicable hire end date with you. Where the GTA applies and the credit hire organisation (CHO) is dealing with a non-roadworthy vehicle, its total-loss table allows 5 working days from payment received to off hire. The overall limit is 14 working days when the CHO raises and sends the pre-accident valuation (PAV), or 10 working days plus the insurer's PAV release time when the case is forwarded to the at-fault insurer. These are GTA claim-handling periods, not a guarantee of hire until you accept a settlement. Other cases depend on the applicable terms and reasonable need.
Source: GTA General Terms of Agreement, 16 March 2026, total-loss periods table, CHO dealing not-roadworthy rows. The table does not require the CHO to raise the PAV.
If you think the valuation is too low, tell us promptly and provide evidence. Do not assume that disputing it extends the applicable hire period. We will explain the position on your claim. Our car written off, what are my options page covers the settlement side.
Your own insurer's courtesy car usually stops at a write-off
Many policies only provide a courtesy car while your car is being repaired, so it often ends when the car is declared a total loss. A credit hire vehicle on a non-fault claim does not stop at that point. It continues on the basis above, and it is insured for the duration of the hire, so you are not relying on your own policy to drive it.
What is a reasonable period?
It is the time the process should sensibly take given the actual damage, the repairer's capacity and the market for your vehicle. It is assessed on the facts, not on a tariff.
Things that legitimately extend it include severe damage, specialist or low-volume vehicles, parts on back-order, a delayed engineer's inspection, slow authorisation from the paying insurer, and a genuinely difficult replacement market. Things that do not extend it include waiting to see if a better offer comes along, or simply enjoying the hire car.
What could shorten the period?
Your own conduct, essentially. You are expected to keep the cost of the claim down, a duty called mitigation, and failures here are the most common reason a hire period gets challenged.
The period can be cut short if you:
Failing to respond
Not replying to the repairer, the engineer or the claims handler, so the process stalls waiting on you.
Delaying authorisation
Holding up the repair or the inspection without good reason.
Sitting on a fair settlement
Leaving a settlement that has been paid instead of getting on with buying a replacement.
Turning down a suitable replacement
Refusing a genuinely suitable replacement vehicle or repair slot without a reasonable explanation.
None of this requires you to rush. It requires you to be responsive and to be able to explain your decisions.
What happens if the repair is delayed?
If the delay is the repairer's or the parts supplier's, you keep the vehicle. Delay outside your control does not count against you.
Say so in writing at the time, though. A short note recording that the garage is waiting on a part and expects it in a fortnight is worth a great deal if the hire period is scrutinised months later. Contemporaneous notes beat reconstructed memory. Our post on why your repair is taking longer explains what is usually going on behind the scenes.
When do you have to give it back?
When your car is back on the road, or when the applicable total-loss hire period ends. We confirm the end date with you, using the GTA periods above where they apply.
A good provider will tell you this is coming rather than surprising you. We give notice, confirm the collection date and make sure you are not left without transport on a day you were not expecting. If your circumstances genuinely mean you need longer, say so early and explain why, because a reason given in advance is a very different conversation from one given afterwards. If you are unsure what you are entitled to in the first place, our like-for-like replacement car page covers what the vehicle itself should be.
Need a replacement vehicle now?
If your car is off the road after an accident that was not your fault, call us on 01606 662300 and we will tell you straight away what we can get you and how quickly. Lines are open Monday to Friday, 8am to 6pm, with after-hours support available.