Most insurances do not contain an exclusion for a case of force majeure. The policy determines what is insured and what the main exclusions are. When damage occurs from a covered event, the insurer pays in accordance with the insurance conditions. Following the accident, the Claimant entered into a credit lease agreement with Elite Rentals (Bolton) Ltd. He rented a replacement car for a total period of 591 days for a price of £95,130.14, or a rate of around £161 per day. The cost of recovery and storage amounted to £3,420.75. He argued that he could not afford to purchase a replacement vehicle until the second complainant had paid him the value of the previous accident of his old car on November 16, 2012. There is an agreement between the Association of British Insurers and the lenders, which defines the standard conditions and the rates to be paid. Prices are higher than spot rates, but provided that liability is agreed upon quickly and the repair is carried out as quickly as possible or is paid, they are affordable. A credit rental vehicle can be rented to you by a credit lessor after an innocent accident.