BHR Deconstruction Tool
Insurers rely on Basic Hire Rate evidence to slash credit hire recoveries. The CreditHire Assist BHR Deconstruction Tool tears apart their methodology, exposing mismatched vehicles, cherry-picked rates, and flawed comparisons.
Every rebuttal is anchored in verified UK credit hire case law. No guesswork, no fabricated authority.
Background reading: What Is Credit Hire? The Complete UK Guide and our guide to BHR.
How it works
- 1
Upload the insurer's BHR report or rate evidence
Paste the text or upload the PDF of the engineer's Basic Hire Rate report - including the surveyed rates and vehicle comparisons.
- 2
AI deconstructs the rate methodology
The tool examines the surveyed vehicles, rate sources, rental terms, and availability claims to identify weaknesses in the insurer's evidence.
- 3
Mismatches and errors are flagged
Common flaws are highlighted: wrong ACRISS codes, stale pricing, pre-payment requirements, mismatched vehicle categories, and missing delivery/collection terms.
- 4
Generate a targeted rebuttal letter
The tool drafts a response addressing each weakness, citing verified case law such as Copley v Lawn and Stevens v Equity to support your position.
Rate methodology analysis
Examines how the surveyor arrived at the BHR - and whether the methodology holds up.
Error detection
Flags ACRISS mismatches, stale rates, pre-payment requirements, and missing like-for-like comparisons.
Case law matching
Links each weakness to relevant authority - Copley v Lawn, Pattni, Stevens v Equity, and more.
Rebuttal generation
Produces a structured letter addressing every flaw in the insurer's rate evidence.
Don't accept BHR evidence at face value
Deconstruct insurer rate reports and recover what your client is owed.
See it in action