Credit Hire. The What? When? How? and Who?

Monday, 01 March 2021
12:00 pm – 1:00 pm
    • Bernard Thornton FCII

It has only been around for 30 years or so, but in that time credit hire has become one of the most sensitive and polarising subjects in the general insurance market.

Depending on your perspective it can solve a perennial problem by keeping vital customers on the road or it can be an expensive and unnecessary luxury, which ultimately has to be paid for by the insuring public.

This webinar looks at the development of credit hire, the legalities, and how the current market operates. It also includes some significant case studies and how the concept might develop in the future.

The content of the presentation will give delegates a better understanding of credit hire, enabling them to discuss the subject with more authority. Anyone client-facing or involved with motor underwriting, broking or claims will benefit from attendance.

Learning Objectives

At the end of this event, the delegate will be able to identify and understand:

  • The background and development of the credit hire market
  • Important test cases which have steered its operation
  • The ABI General Terms of Agreement and how it works in practice
  • The approach to replacement vehicles by different players
  • Ideas for client communication

About the Speaker

Bernard Thornton spent much of his career in the company market, culminating in the role of North East Regional Manager for a major insurer. He then set up a Motor Claims Management business from scratch, before merging it into Active Claims Solutions, where he was Sales Director until retirement in March 2019.

Over a lengthy career he has worked in Motor Claims for both defendant and claimant, with specialisation in personal injury, credit hire and legal expenses. Seeking to disseminate his wide knowledge of these subjects and to put something back into the insurance business, he delivers lectures and training sessions to insurance businesses and local Insurance Institutes.


Bernard has served as President of the Insurance Institute of Leeds on 2 occasions, was a member of the CII’s Representative Council and maintains an active membership of Leeds Institute as Vice President and Dinner Secretary.

His recent retirement allows Bernard more opportunities to enjoy his many sporting interests and a family which now includes 3 grandchildren. He enjoys walking, is a cricket umpire and a commentator for Leeds Hospital Radio Sport.

CII Accredited

This demonstrates the quality of an event and that it meets CII member CPD scheme requirements.

1 hour's CPD can be claimed for this event if relevant to your learning and development needs.

It is recommended that you keep any evidence of the CPD activity you have completed and upload copies to the recording tool as the CII may ask to see this if your record is selected for review. Details of the scheme can be viewed online at www.cii.co.uk/cpd.