The Complete Credit Hire Resource

All Things Credit Hire,
Powered by AI

Case law research, liability disputes, basic hire rate intelligence and practitioner expertise — everything the credit hire professional needs, in one place.

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Example Query
"What do the cases say about impecuniosity and the need to prove inability to fund an alternative vehicle?"
AI Answer: 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 of impecuniosity is insufficient — the claimant must adduce sufficient evidence, and the court must be satisfied on the balance of probabilities…
400+
Cases Indexed
15
Supreme Court
95
Court of Appeal
118
Directory Entries

Everything a credit hire practitioner needs

Built exclusively for credit hire professionals — solicitors, insurers, claims managers and consultants. One platform, every resource.

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AI-Synthesised Answers

Ask questions in plain English. Our AI reads the relevant judgments and synthesises a coherent answer, complete with citations and case names.

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Comprehensive Library

400+ cases spanning six decades, from the landmark House of Lords decisions to recent County Court judgments. Updated as new cases emerge.

Instant Results

No more trawling through PDFs. Get answers in seconds, with the key principles extracted and cases ranked by authority level.

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Case Browser

Browse and filter the full database by court, year, legal topic and outcome. View structured summaries, key principles and significance ratings.

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Hierarchical Authority

Results are weighted by court level. Supreme Court and Court of Appeal decisions are prioritised, giving you the binding authorities first.

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Industry Directory

A searchable directory of 118 credit hire industry participants — CHOs, solicitors, counsel, BHR specialists, engineers, funders and more. Find the right expertise, fast.

How it works

Combining a curated case database with state-of-the-art AI to deliver authoritative answers.

1

Ask Your Question

Type any credit hire legal question — impecuniosity, basic hire rate, need, storage charges, NPCOs, or anything else.

2

Cases Are Retrieved

The system identifies the most relevant cases from our database, ranked by legal authority and topic relevance.

3

AI Analyses & Synthesises

Claude AI reads the retrieved cases and synthesises a coherent answer, drawing on the actual judgment summaries.

4

Cited Answer Delivered

You receive a structured answer with case citations, key principles, and links to the relevant cases in the database.

Topics covered

The database is indexed across every major credit hire legal issue. Click any topic to explore.

Spanning all levels of the judiciary

Comprehensive coverage from the highest courts down to County Court judgments.

SC

Supreme Court

15 cases (inc. House of Lords)
CA

Court of Appeal

95 cases indexed
HC

High Court

64 cases indexed
CC

County Court

205+ cases indexed

Expanding the platform

The next major addition to the platform is in development and will be available to subscribers.

Coming Soon
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BHR Intelligence

A comprehensive database of conventional hire companies covering branch locations by postcode, terms and conditions of hire, and availability records — identifying where and when a hire company would not have been able to serve a claimant due to age restrictions, licence requirements, accident history policies or absence of a local branch. An essential tool for challenging the quasi-expert BHR reports increasingly relied upon by insurers.

Subscriber access

Access to this resource is restricted to subscribers to the Credit Hire Forum and is included within the subscription plan.

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Free access · No credit card required
  • Full access to 400+ case database
  • Unlimited AI-powered queries
  • Browse and filter all cases
  • View case summaries & key principles
  • Court-level authority weighting
  • Industry Directory — 118 practitioners & services
  • New cases added as judgments emerge
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