Trusted by Credit Hire Teams Across the UK

Credit Hire Dispute Resolution. Win More. Recover More.

The AI-powered platform that helps credit hire teams analyse insurer disputes, draft legally grounded responses, and build stronger claims. All backed by verified UK case law.

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CreditHire Assist is an AI-powered dispute resolution platform for UK credit hire professionals. It combines six specialist tools, including BHR report analysis, TPI argument deconstruction, liability assessment, and live case advice, with a curated knowledge base of 130+ verified UK case law authorities. Unlike generic AI tools, CreditHire Assist is constrained to cite only verified authorities and refuses to generate responses when no supporting case law exists.

Six Specialist Tools. One Platform.

Each tool is designed to solve a specific challenge credit hire teams face every day, from dissecting insurer arguments to building case-law-backed responses in minutes.

TPI Correspondence Analyzer

Stop spending 30 minutes per letter working out what the insurer is actually arguing. Paste their correspondence and get an instant breakdown: every argument identified, every citation checked, every bluff exposed.

AI Reply Generator

Generate professional draft responses informed by case law precedent. Every legal statement is cited to a verified authority, never assumed or generated from general AI training data.

Live Case Advice

Stuck on a tricky file? Get strategic guidance grounded in real authority. And if the system doesn't have an answer, it tells you. Rather than making one up.

Liability Assessment

Unsure on liability split? Get a structured assessment with recovery percentages, relevant case law, and the exact questions you should be asking before you concede a penny.

Case Law Library

Search a curated library of verified UK credit hire case law with key principles, conclusions and practical guidance, ready to reference in seconds.

BHR Report Analysis

Insurer BHR reports are designed to reduce your recovery. Upload them and our AI tears them apart, flagging vehicle mismatches, locality errors, and unsupported rate reductions with case law citations ready to use.

This Is Not ChatGPT With a Legal Prompt

Generic AI tools will fabricate case names, invent citations, and present fiction as fact. CreditHire Assist is built differently.

Curated Knowledge Base

Every response draws from a verified library of UK credit hire case law. The AI cannot access the internet or invent authority.

Citation Verification

Every case name and citation is cross-checked against the database before it reaches you.

Refusal Over Fabrication

If no supporting authority exists, the system tells you. Silence is preferred to invention.

What Our Users Are Saying

Real feedback from credit hire professionals using CreditHire Assist every day.

"The third party insurers have taken our concerns and issues with their argument more seriously, which has already led to a better settlement than we anticipated."

- Claims Handler

"I have used it on BHR, dual, taxi and general arguments from the third party and it has been able to provide strong counter arguments on all. It generates a well formulated and strong argument."

- Senior Claims Handler

"It often uses the same case law and arguments that TPIs rely on but turns them in our favour. That alone has made it extremely useful in day-to-day disputes."

- Claims Handler

"The intervention piece is very strong and the whole platform helping us to create solid arguments on both GTA and non-GTA matters a lot more efficiently. Clever bit of kit, this!"

- Head of Claims & Recoveries

Frequently Asked Questions

Credit Hire FAQs

Credit hire is the provision of a replacement vehicle to an innocent party after a road traffic accident, where the hire cost is paid on credit terms. The claimant does not pay upfront. The credit hire company provides the vehicle and recovers the cost from the at-fault driver's insurer.

The Basic Hire Rate is the amount a court considers a reasonable person would have paid to hire a comparable vehicle from a mainstream supplier in their local area. Where a claimant is not impecunious, recovery of hire charges is typically limited to the BHR rather than the higher credit hire rate.

Impecuniosity in credit hire refers to a claimant's financial inability to pay for a hire vehicle on the open market. If the claimant could not have afforded to hire from a mainstream supplier without making unreasonable sacrifices, they may recover the full credit hire rate. The test was established in Lagden v O'Connor [2003] UKHL 64.

TPI stands for third-party insurer, which is the insurer of the at-fault driver. TPI correspondence refers to letters from that insurer challenging or disputing aspects of the credit hire claim, such as the rate, period of hire, need for a vehicle, or the claimant's impecuniosity.

CreditHire Assist is an AI-powered platform that helps credit hire teams analyse insurer disputes, draft legally grounded responses, deconstruct BHR evidence, assess liability, and access verified UK case law. Every legal statement is cited to a verified authority, never assumed or generated from general AI training data.

CreditHire Assist is fundamentally different from ChatGPT. ChatGPT generates responses from general training data and can fabricate case names, invent legal citations, or present outdated law as current. CreditHire Assist is constrained to a curated knowledge base of verified UK credit hire case law. It cannot access the internet, cannot invent authority, and will refuse to generate a response if no supporting case law exists. Every citation is cross-checked against the database before it reaches you.

CreditHire Assist can analyse any insurer BHR report. Upload the report and the AI will automatically deconstruct it, identifying vehicle mismatches, locality errors, CDW challenges, provider term issues, and unsupported rate reductions. Each challenge is backed by relevant UK case law, ready to use in your response.

CreditHire Assist is designed for teams of all sizes. The standard licence includes 5 users at a fixed monthly cost. Whether you have 3 handlers or 30, the tools work the same way, giving every handler access to expert-level case law knowledge and AI-powered argument analysis.

CreditHire Assist covers all the main areas of credit hire dispute: rate challenges (BHR and spot rates), period of hire, need for hire, impecuniosity arguments, mitigation, liability splits, TPI intervention correspondence, and CDW/additional product disputes. Each area is supported by verified UK case law from a library of 130+ authorities.

CreditHire Assist is a decision-support tool, not a replacement for professional judgment. Every output should be reviewed by a qualified handler before it is sent. The platform is designed to give you a strong, well-researched starting point, not a finished letter.

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