Guaranteed Hire Vehicle insurance

Our optional Guaranteed Hire Vehicle insurance can be added to our motor policies to give your clients peace of mind should their vehicle be involved in an unrecovered theft, road traffic collision or fire.

We understand the importance vehicles play in the day to day operations of your client’s businesses. That’s why we can offer a guaranteed replacement vehicle for your light goods commercial vehicles and private cars giving your clients the ability to continue trading, following a claim.

We offer Guaranteed Hire Vehicle cover on our Farm Motor Advance and Rural Business Motor insurance products.


Available for private cars & commercial vehicles

  • Four optional levels of cover available
Vehicle Type 7 Days 14 Days 21 Days 28 Days
Private cars* £8.79 £17.56 £26.33 £35.13
Commercial vehicles* £11.13 £22.24 £33.37 £44.46

*prices exclude insurance premium tax


  • Selling Points
  • Covers
  • Policy Documents
  • Making a Claim

Guaranteed Hire Vehicle Selling points

  • Add cover to just one vehicle or all eligible vehicles depending on your needs
  • Choose different levels of cover for different vehicles
  • Fast and efficient UK based claims from On Hire Limited – experts in vehicle hire
  • Issued alongside Farm Motor or Rural Business Motor policy documents for efficient administration
  • Convenient instalments available with an interest rate of only 4% (You must pay by the same method you chose to pay the motor insurance policy)
  • If, for whatever reason, it is not possible to provide you with a Hire Vehicle we will contribute up to £10 per day towards transportation costs, up to a maximum of £280 per individual claim.

Guaranteed Hire Vehicle Covers

4 levels of optional guaranteed hire vehicle cover available for private cars and light commercial vehicles

  • Up to 7 days cover
  • Up to 14 days cover
  • Up to 21 days cover
  • Up to 28 days cover

Important Points

  • The hire vehicle will be a replacement car or standard commercial vehicle having an equivalent engine capacity to the Insured Vehicle but not exceeding 2000cc in any event.
  • Only drivers aged between 21 and 74 will be able to drive the hire vehicle
  • The hire vehicle cannot be used for the carriage of goods for hire and reward
  • Cover is limited to 2 claims per insured vehicle per period of insurance
  • Claims must be reported to On Hire within 14 days of the time of occurrence

For full details of cover and restrictions please review the Policy Wording and Insurance Product Information Document

Guaranteed Hire Vehicle Making a Claim

At Rural Insurance we understand the importance of the claims service for your clients.

If you wish to make a claim on your Guaranteed Hire Vehicle cover, after you have registered a claim with Agrical for the insured vehicle, please contact:

On Insurance (a trading name of On Hire Limited),
Saxon House,
50 Heaton Road,
Newcastle upon Tyne,

Tel: 0345 543 9931