Jurisdiction(s):
United Kingdom

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)...

Archived precedent defence for credit hire claims (pre-13 June 2014 agreements): enforceability under 2008 Doorstep Regulations; need, period, like-for-like, rate and additional charges (England and Wales)

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Precedents

ARCHIVED: This Precedent has been archived and is not maintained.

In the County Court at [ insert ]
Claim No:
Between A B Claimant and X Y Defendant

Defence

It is accepted that the accident identified at paragraph 1 occurred at the time and place stated.
For the purposes of these proceedings, it is accepted that the accident was caused by the Defendant’s Negligence.
The Defendant requires the Claimant to prove all heads of damage alleged.

Counter Schedule

3.1 Repairs—The Claimant is required to prove this head of loss. The Defendant notes that no documentary evidence has been provided and requires sight of the same.
3.2 Recovery—The Claimant is required to prove this head of loss. The Defendant notes that no documentary evidence has been provided and requires sight of the same.
3.3 Storage—The Claimant is required to prove this head of loss. The Defendant does not admit and requires the Claimant to prove that it was necessary to place the vehicle into storage and that the rate charged was reasonable.
3.4 Hire—denied
3.4.1 Enforceability (a) The Claimant’s liability for Credit hire charges, whether in the amount alleged or at all, is denied.

...

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Thea Wilson

12 King's Bench Walk

Thea has been a tenant at 12 King's Bench Walk since the completion of her pupillage in October 2010. She specialises in Personal Injury, Clinical Negligence, Inquests, Credit Hire, Fraud Work and Costs. Thea appears in court regularly, acting for both claimants and defendants. Additionally, Thea has a busy paper-based practice, drafting particulars of claim, schedules of loss, defences, counter schedules and applications, and advising on liability and quantum. Before coming to the Bar, Thea worked as a paralegal at a regional law firm, specialising in Personal Injury and Clinical Negligence claims. ...

Web page updated on 22/05/2026

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