Credit Hire Pro
Recovery is decided by what you captured at the time.
Credit hire is the most litigated area of UK motor claims, and whether a charge is recovered turns on evidence gathered while the hire was running — not reconstructed eighteen months later when a defendant's solicitor asks for it.
For credit hire operators and accident management companies with an in-house hire book.
Why it exists
Every credit hire claim eventually meets the same three questions. Did the claimant genuinely need a vehicle. What would an equivalent hire have cost on the open market. And why did it take as long as it did.
Each has a good answer on the day the vehicle goes out and a poor one a year later. A basic hire rate comparable found after the fact is not the same evidence as one captured at deployment, and everybody in the argument knows it. Impecuniosity assessed retrospectively is weaker than impecuniosity assessed when it was relevant.
So the system of record has to capture it as the hire happens. Most do not, because most were not built for this — which is why the evidence usually lives in a spreadsheet, a folder, and somebody’s memory.
What it does
Rates that stay defensible
- GTA vehicle groups
- The General Terms of Agreement groupings, so the rate you charge is the rate the argument is conducted in.
- Effective-dated rate tables
- GTA rates run 1 July to 30 June and are revised annually. A superseded rate is never overwritten — it stops applying on a date, so a hire from three years ago reprices exactly as it did then.
- Rate bands by duration
- Tiered by how long the hire actually ran, as the agreement is.
- Daily rate caps
- Applied from the schedule in force on the day, not the one in force now.
The evidence a defendant will ask for
- Need, at the point of hire
- A structured questionnaire completed when the vehicle goes out, rather than a witness statement assembled afterwards.
- Impecuniosity at deployment
- Assessed at the moment it is legally relevant. Recorded once, with what was asked and what was answered.
- Basic hire rate comparables
- Captured while they can still be obtained, against the vehicle actually supplied.
- Mitigation
- What the claimant did to keep the cost down, in their own account.
- Delay reason codes
- Every extension carries a recorded cause — repairer capacity, parts, engineer, third-party insurer — so the duration has an explanation attached to it rather than an argument later.
The hire itself
- Delivery and collection
- Dates, times and vehicle condition at both ends.
- Driver licence check
- Recorded against the hire, not the claim.
- Mileage
- Out and in.
- Charges counted daily
- An open hire accrues and is shown accruing, so the value of the book is a number you can read today rather than one you discover when the hire closes.
What changes
You know what is missing while you can still fix it
The recoverability check reads the hire and names the evidence that is not there yet. A gap found on day three is an afternoon's work. The same gap found at trial is money you do not recover.
A rate from three years ago still reprices correctly
Because the schedule that applied then is still in the system, unmodified, with the dates it applied between.
The argument is built as you go
Rather than assembled under time pressure from four places when the file is requested.
What it does not do
Credit Hire Pro is a system of record, not a legal opinion. It captures and organises evidence and tells you what is absent; it does not advise you on whether a claim will succeed, and it does not draft argument.
It also does not set your rates for you. The GTA groupings and the rate schedule are yours to maintain — ClaimCore holds them, dates them and applies them, and does not publish rate data of its own.
Related
See it against one of your real claims.
Thirty minutes, no slides. Bring a live file and we will run it through the system end to end.