horwich farrelly

Credit Hire

Our Credit Hire unit is manned by dedicated specialists with insurance, legal and credit hire sector backgrounds, providing us with a unique set of capabilities in this area.



Credit hire claims continue to pose major issues for insurers as credit hire operators and accident/claims management companies continually adapt to the changing legislative and regulatory environment.

Insurers need to be able to respond quickly and effectively, and our credit hire services are designed to help them do just that.

Our growing Credit Hire department acts for many of the UK’s largest motor insurers, dealing with claims from the post-FNOL stage through to post-litigation costs negotiation and recovery in line with individual clients requirements.

A consistent, end-to-end, handling approach includes proprietary process flows and proven supervisory regimes to ensure that lifecycles and third party costs are kept to a minimum and savings maximised on the tens of thousands of claims we handle for clients each year.

Credit Hire service teams are now based in our Manchester, London, Cardiff and Liverpool offices, providing a nationwide coverage.

Responsive and adaptable….

Our credit hire clients consist of both GTA and non-GTA insurers.  Horwich Farrelly is one of only a very few firms that has specific experience in assisting insurers in both withdrawing from and successfully operating outside of the GTA.  This includes advising and helping implement effective intervention strategies and bespoke litigation reduction initiatives.

Credit Hire Emphasis

As the market has evolved we have also developed strong capabilities in the increasingly problematic areas of diminution, credit repair, storage and recovery, credit hire fraud, and costs.

Our pre-litigation services allow our insurer clients to free up their resources to deal with claims in a more cost effective manner. They are designed to avoid litigation wherever possible without prejudicing overall spend.  A key strength of the team is in ensuring that any intervention process an insurer has in place pre-litigation is used to defend cases at the litigation stage.  This not only reduces litigation rates but increases the level of savings achievable.

Our general approach to the work we do for clients is one of partnership and collaboration, and comprehensive training is an integrated part of our service.

….delivering a strategic approach

Maintaining up to date strategies and tactics in a fast changing credit hire market is critical.  Horwich Farrelly’s dedicated analysts build intelligence on credit hire operators and claims management companies to enable an in-depth understanding of their business models and behaviours.  Using the tremendous technical knowledge in the team we develop both opponent-specific and evolving general strategies.

Horwich Farrelly is at the forefront of strategic litigation in this area, having won leading cases such as Copley v Lawn, Ahktar v Boland and A-Line Taxis v Ward.



We use cookies to anonymously track the pages our visitors interact with. See our data policy and privacy policy for more information. Please click to indicate your acceptance

Contact us

If you would like further information about any of our specialists or the services we offer please get in touch.

Any information provided via this form will not be used for marketing purposes or shared with third parties without your prior consent