Jurisdiction(s):
United Kingdom

Related legal acts

Key definition

Credit hire definition

What does Credit hire mean? Credit hire describes the provision of a replacement vehicle to a non‑fault motorist after a road traffic accident, supplied on credit with no upfront payment, on terms that the hire charges are later pursued from the at‑fault insurer as part of the damages claim. The term is not defined by statute; it is a descriptive expression shaped by case law (particularly in England and Wales) and market practice (including the ABI General Terms of Agreement). Arrangements are typically made through a credit hire organisation (CHO). To recover charges, the claimant must show: (1) need for a broadly comparable vehicle; (2)...

County Court Precedent Particulars of Claim: RTA credit hire, personal injury, loss of use and special damages (England and Wales)

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Precedents

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IN THE COUNTY COURT AT [ insert ]

Claim No:

BETWEEN [ A.B. ] Claimant
-and-
[ C.D. ] Defendant

Particulars of claim

At the relevant times, the Claimant was the [ owner and ] driver of a [ make, model ] motor vehicle, registration [ insert registration number ], whilst the Defendant was driving a [ make, model ] motor vehicle with registration [ insert registration number ].
[ Details of accident ]
[ The Claimant relies upon an admission of liability made by the Defendant/the Defendant’s insurance company on [ insert day/month/year ] ]. [ The accident was caused by the Negligence of the Defendant. ] [ PARTICULARS OF NEGLIGENCE ]
- 3.1 [ particulars relevant to case ]
- 3.2 [ … ]
As a consequence of the Defendant’s negligence, the Claimant [ who was born on [ insert day/month/year ] ] has sustained [ pain, injury, ] loss and damage.

PARTICULARS OF INJURY

4.1 The Claimant sustained [ brief details of injury ] ...

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Daniel Laking

39 Essex Chambers

Daniel is a junior barrister specialising in civil claims, particularly Personal Injury and Insurance Fraud. He is frequently instructed in trials encompassing issues such as causation and low-velocity impact. He is also well-versed in the nuances surrounding litigation of civil claims, and is often called upon to provide advice and representation in detailed insurance law and procedural applications for both claimants and defendants. He has a detailed knowledge of costs law and its relation to personal injury matters, both in respect of the Fixed Costs regimes in CPR Part 45 and the subtleties of QOCS. Daniel's paperwork practice encompasses pleadings and advices in a range of niche and unusual points relating to personal injuries law such as limitation, service and varying tortious claims. He is instructed in claims arising out of negligence by drivers, employers and occupiers, as well as broader property damage claims and...

Web page updated on 22/05/2026

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