The Credit Hire Forum · Member instrument

Forty‑five years of credit hire. One place to ask.

credit-hire.ai is the working knowledge of Steve Evans — who started credit hire in the United Kingdom in 1980 — built into research, evidence and drafting instruments for the practitioners who run these claims.

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One question, answered with authority
“What do the cases say about impecuniosity and the need to prove inability to fund an alternative vehicle?”
The burden of proving impecuniosity lies with the claimant. In Lagden v O'Connor [2004] UKHL 36, the House of Lords held that an impecunious claimant who cannot fund a replacement from their own resources is entitled to recover credit hire charges rather than the basic hire rate. However, Zurich Insurance v Umerji [2014] EWCA confirmed that mere assertion is insufficient — the claimant must adduce sufficient evidence, and the court must be satisfied on the balance of probabilities…
45
Years in credit hire
780+
Cases indexed
1,128
Forum articles
24
Checks per cited supplier
11
Training modules
Steve Evans, photographed outside the Royal Courts of Justice.
Steve Evans Photographed outside the Royal Courts of Justice
The provenance

Features can be imitated. Forty‑five years cannot.

Steve Evans started credit hire in the United Kingdom in 1980 and has spent every year since inside it — building the arguments (and sometimes losing them), leading the Credit Hire Organisation for a decade, watching the case law form, always supporting the industry, and answering the questions practitioners bring him through The Credit Hire Forum.

“In credit-hire.ai, I was almost trying to clone myself — so that the questions people would ask me could be answered online.” Steve Evans, founder

That is what this platform is: not a bundle of tools, but one practitioner's working knowledge — indexed, checked and available at every member's desk, all day.

Coverage

Indexed across every issue that decides these claims

A sample of the topics the corpus is indexed against — hire, liability and costs together.

Impecuniosity Basic hire rate Need for a hire vehicle Duration of hire Mitigation Loss of use Storage charges Write-off & total loss Like-for-like vehicle Prestige vehicles Spot hire rate Betterment Third party capture Sham transactions Ex turpi causa Causation & remoteness Negligence Contributory negligence Apportionment of liability Highway Code Emerging from a junction Vicarious liability Vehicle owner liability Automated & driverless vehicles Part 36 offers Costs & proportionality Non-party costs orders ADR & mediation GTA rates ACRISS classification
Access

Included in your Credit Hire Forum subscription

Members of The Credit Hire Forum have full access to the platform as part of their subscription — nothing further to buy, no per-seat licences.

Nexus, the live rate-evidence service, is available separately.

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