Blog

Industry insights, platform updates, and credit hire strategy from our team.

The GTA Is Getting a Binding Dispute Route. What That Actually Changes at Day 61.

The GTA rate card is fixed for twelve months, so once liability is settled, duration is the whole argument. A binding ADR route is coming for unsettled claims, decided by specialists who understand GTA hire claims rather than a district judge who does not understand credit hire. Here is what the scheme actually is, what it is not, and what to do about it before it opens.

Craig Budsworth

Handler How-To6 August 2026

When the Bodyshop Cannot Take the Car: Justifying a Long Hire Period on Repair Capacity

Repair capacity is tightening and hire periods are stretching with it. Here is how to build the file so a long period survives a TPI challenge, and where the argument runs out.

Craig Budsworth

Industry Update27 July 2026

Connected Vehicles and Credit Hire Recovery: Where Software Liability Leaves the Hire Period

When a car's software is arguably at fault, who is the defendant and what happens to the credit hire period? A practical guide for handlers on liability, recovery and the reasonable period.

Craig Budsworth

Handler How-To20 July 2026

When Your AI Can Log Into the Claims System: Supervising Agents That Act, Not Just Draft

AI agents can now log in and act, not just draft. A practical guide for credit hire handlers on access boundaries, named approvers and action logs before an acting agent touches a live file.

Craig Budsworth

Handler How-To9 July 2026

The FCA Just Published the Mills Review on AI in Financial Services. Here Is What Credit Hire Handlers Should Do With It.

The FCA's Mills Review of AI's long-term impact on retail financial services landed on 6 July 2026. It is the formal document behind the earlier trade press coverage of Graeme Reynolds' conference remarks. Here is what the Mills Review actually says, and how credit hire handlers should use it when defendant insurer AI decisions turn up on their files.

Craig Budsworth

Handler How-To1 July 2026

Applying the 1 July 2026 GTA Rate Review: What Changes in Your BHR Challenges from Today

New maximum daily credit hire rates take effect for hires starting on or after 1 July 2026. The practical application guide for handlers: which hires fall under the new rates, how to update the BHR challenge template, and the three transition scenarios worth knowing.

Craig Budsworth

Handler How-To1 July 2026

When the Customer Bought Their Policy Through ChatGPT: What That Changes for Credit Hire

Aviva, Compare the Market and GoCompare are now selling cover through ChatGPT apps. The handler will start meeting those customers at FNOL. The legal correspondence does not change. The customer-comms layer changes a lot.

Chris Latham

Strategy17 June 2026

The Two-Track Claims Desk: Where Credit Hire Handlers Land as AI Spreads

New PwC data shows AI is professionalising some roles and democratising others. In credit hire, that dividing line runs straight through the handler desk.

Craig Budsworth

Strategy3 June 2026

Why So Few Credit Hire Cases Prove Impecuniosity (and How Handlers Can Close the Gap)

Keoghs' 2026 benchmarking shows fewer than 10% of litigated credit hire cases succeed on impecuniosity. The FCA Financial Lives data shows a population with thin financial buffers. The lever that bridges the two is operational.

Craig Budsworth

Industry Update27 May 2026

What Credit Hire Teams Should Take From the Pinsent Masons AI Ruling

A senior judge said a junior solicitor 'almost entirely outsourced the thinking process' to AI. Here is what the Pinsent Masons ruling means for credit hire operations.

Craig Budsworth

Industry Update13 May 2026

Aviva's Building a ChatGPT App. Claims Teams Are Holding the Line. Both Are Right.

Distribution is sprinting on AI while claims is walking, for good reasons. The 3Rs filter shows motor claims teams where automation earns its keep right now.

Chris Latham

Strategy28 April 2026

Credit Hire in Scotland: What QOCS Actually Changed (and What Handlers Should Do About It)

Five years on from QOCS, what Scottish credit hire handlers need to know about fraud thresholds, Manley v McLeese, and litigation-grade file build.

Craig Budsworth

Strategy18 April 2026

When Insurers Try to Intervene: What the Case Law Actually Says

A strategy guide to defeating intervention arguments in credit hire, grounded in Copley v Lawn, Manton Hire, Sayce v TNT and Bee v Jenson.

Chris Latham

Industry Update15 April 2026

Using AI in Credit Hire: What You Need to Know About Compliance

A practical guide to AI compliance in credit hire: the EU AI Act, hallucination risk, RAG architecture, AI literacy and UK GDPR obligations.

Craig Budsworth

Strategy25 March 2026

Basic Hire Rates (BHR): Why Bunting Doesn't Stop You Challenging the Facts

Understanding what Bunting v Zurich actually decided about BHR evidence and why rigorous factual challenges at first instance remain essential.

Chris Latham

Strategy22 March 2026

Impecuniosity in Credit Hire: What the Courts Actually Require

What does impecuniosity mean in UK credit hire? A practical guide to pleading, proving, and defending it, grounded in Lagden v O'Connor and recent case law.

Craig Budsworth

Industry Update18 March 2026

The Real Cost of Manual TPI Responses

Credit hire teams spend hours manually researching and responding to TPI insurer correspondence. Here's what that costs, and what the alternative looks like.

Chris Latham

Industry Update15 March 2026

What the OIC Reforms Mean for Credit Hire in 2026

How the OIC portal and whiplash reforms affect credit hire operations, fraud patterns, and claim strategy in 2026.

Craig Budsworth

Strategy12 March 2026

Why AI in Legal Claims Needs a Knowledge Base, Not Just a Language Model

In legal claims work, language models need a curated knowledge base to be trustworthy. Here's why architecture matters for credit hire AI.

Chris Latham

Advice8 March 2026

Not at Fault? Here's What You're Actually Entitled To

A plain-English guide for non-fault claimants: like-for-like replacement vehicles, how credit hire works, intervention offers, hire period and rate.

Craig Budsworth

Advice5 March 2026

What to Do After a Car Accident: A Step-by-Step Guide

A practical step-by-step guide to what to do after a UK car accident: at the scene, evidence, insurer reporting, vehicle, hire, injury and time limits.

Chris Latham

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