The Credit Hire Ruling – Why it Matters

Yes, we do.

The policy covers the person(s) named in the insurance schedule to which the cover attaches. This is extended to include an authorised driver or passengers for the Uninsured Loss Recovery and Personal Injury section of cover.

Under the Motor contract section of the policy. They are covered for advisers’ costs to pursue or defend a legal action relating to a dispute over a contract for the sale or purchase of goods or services relating to the vehicle, including the vehicle itself, provided advisers’ costs do not exceed the amount claimed.

The policy will cover Advisers’ costs to pursue the recovery of illegal clamping or towing fees related to the vehicle.

You must notify us as soon as possible and within a maximum of 90 days once you become aware of the insured incident. There will be no cover under this policy if, there is a delay in reporting the claim.

Yes, your client is covered for advisers’ costs to defend a legal action arising from use of the vehicle’s identity by another person or organisation without your permission.

They must notify claims as soon as possible, so once they become aware of the insured incident and within no more than 90 days of you becoming aware of the insured incident. 

Yes, The motor vehicle declared in the insurance schedule to which this cover attaches. This is extended to include a caravan or trailer whilst attached to the vehicle. 

No. If the incident occurred before they purchased the insurance, they will not be able to purchase cover. 

Yes, we do.

The policy covers the person(s) named in the insurance schedule to which the cover attaches. This is extended to include an authorised driver or passengers for the Uninsured Loss Recovery and Personal Injury section of cover.

Under the Motor contract section of the policy. They are covered for advisers’ costs to pursue or defend a legal action relating to a dispute over a contract for the sale or purchase of goods or services relating to the vehicle, including the vehicle itself, provided advisers’ costs do not exceed the amount claimed.

The policy will cover Advisers’ costs to pursue the recovery of illegal clamping or towing fees related to the vehicle.

You must notify us as soon as possible and within a maximum of 90 days once you become aware of the insured incident. There will be no cover under this policy if, there is a delay in reporting the claim.

Yes, your client is covered for advisers’ costs to defend a legal action arising from use of the vehicle’s identity by another person or organisation without your permission.

They must notify claims as soon as possible, so once they become aware of the insured incident and within no more than 90 days of you becoming aware of the insured incident. 

Yes, The motor vehicle declared in the insurance schedule to which this cover attaches. This is extended to include a caravan or trailer whilst attached to the vehicle. 

No. If the incident occurred before they purchased the insurance, they will not be able to purchase cover. 

The replacement vehicle will be something equivalent to a P1-P6 category vehicle

The replacement vehicle will be something equivalent to a S5-S6 category vehicle

The replacement vehicle will be something equivalent to a Ford Transit LWB/a PV4 category vehicle

Your client must notify us within 2 working days of the insured incident

No, the hire vehicle is to be used by your client only.

Yes, drivers under the age of 21 years of age or over 74 years of age are not covered.

An S1 or PV2 class of vehicle. Which would be a Small Car or Small wheel-based Van. 

We will provide them with a hire vehicle up to the hire period. which is subject to the terms, conditions, and exclusions of this policy. They must notify us during the insured period and within 5 working days of the insured incident. 

The replacement vehicle will be something equivalent to a P1-P6 category vehicle

The replacement vehicle will be something equivalent to a S5-S6 category vehicle

The replacement vehicle will be something equivalent to a Ford Transit LWB/a PV4 category vehicle

Your client must notify us within 2 working days of the insured incident

No, the hire vehicle is to be used by your client only.

Yes, drivers under the age of 21 years of age or over 74 years of age are not covered.

An S1 or PV2 class of vehicle. Which would be a Small Car or Small wheel-based Van. 

We will provide them with a hire vehicle up to the hire period. which is subject to the terms, conditions, and exclusions of this policy. They must notify us during the insured period and within 5 working days of the insured incident. 

We aim to offer a high standard of client care and an efficient service but if there is any aspect of our service with which you are unhappy and which you cannot resolve with the person who is handling your case or their team leader, please raise the matter in writing with Michelle O’Reilly at the address on the correspondence or via e-mail to michelle.oreilly@alpslegal.co.uk. We promise that your complaint will be investigated and that you will receive a fair and prompt response.

A copy of our Complaints Procedure is available upon request.

If you are not satisfied with our handling of your complaint you can ask the Legal Ombudsman (LeO) to consider the complaint. His role is to attempt to resolve disputes. Normally, you will need to bring a complaint to the LeO within six months of receiving a final written response from us about your complaint. The LeO can be contacted at PO Box 6806, Wolverhampton WV1 9WJ; telephone: 0300 555 0333; website: www.legalombudsman.org.uk.

You are entitled to make a complaint about our firm’s bill too, in accordance with our complaints procedure. There may also be a right to object to the bill by making a complaint to the LeO, and/or by applying to the court for an assessment of the bill under Part III of the Solicitors Act 1974. However you should note that the LeO may not consider a complaint about the bill if you have applied to the court for assessment.

Our usual office hours are Monday – Friday between 9:00a.m. – 5:00p.m, excluding bank holidays. If you call after these hours, your call will be diverted to a new claims reporting and emergency helpline which is available 24 hours per day, 365 days per year.

It is difficult to state precisely how long your claim will take to settle. However we can give a general indication that if your claim is straightforward and undisputed it will take between 6 – 12 months to settle. If the claim is complex and liability is disputed there is a higher possibility of proceedings having to be issued and taking all of these factors into account usually it will take between 18 months to 3 years to conclude the claim.

We aim to offer a high standard of client care and an efficient service but if there is any aspect of our service with which you are unhappy and which you cannot resolve with the person who is handling your case or their team leader, please raise the matter in writing with Michelle O’Reilly at the address on the correspondence or via e-mail to michelle.oreilly@alpslegal.co.uk. We promise that your complaint will be investigated and that you will receive a fair and prompt response.

A copy of our Complaints Procedure is available upon request.

If you are not satisfied with our handling of your complaint you can ask the Legal Ombudsman (LeO) to consider the complaint. His role is to attempt to resolve disputes. Normally, you will need to bring a complaint to the LeO within six months of receiving a final written response from us about your complaint. The LeO can be contacted at PO Box 6806, Wolverhampton WV1 9WJ; telephone: 0300 555 0333; website: www.legalombudsman.org.uk.

You are entitled to make a complaint about our firm’s bill too, in accordance with our complaints procedure. There may also be a right to object to the bill by making a complaint to the LeO, and/or by applying to the court for an assessment of the bill under Part III of the Solicitors Act 1974. However you should note that the LeO may not consider a complaint about the bill if you have applied to the court for assessment.

Our usual office hours are Monday – Friday between 9:00a.m. – 5:00p.m, excluding bank holidays. If you call after these hours, your call will be diverted to a new claims reporting and emergency helpline which is available 24 hours per day, 365 days per year.

It is difficult to state precisely how long your claim will take to settle. However we can give a general indication that if your claim is straightforward and undisputed it will take between 6 – 12 months to settle. If the claim is complex and liability is disputed there is a higher possibility of proceedings having to be issued and taking all of these factors into account usually it will take between 18 months to 3 years to conclude the claim.

Just click on ‘Contact’ on the menu bar for a number of ways to get in touch. A member of either our sales or support team will then be happy to run through everything with you.

We only sell our products and services through Insurance Brokers, please call us on 01260 241555 and we’d be only too happy to put you in contact with one of our supporting brokers.

We aim to offer a high standard of client care and an efficient service but if there is any aspect of our service with which you are unhappy and which you cannot resolve with the person who is handling your case or their team leader, please raise the matter in writing with Michelle O’Reilly at the address on the correspondence or via e-mail to michelle.oreilly@alpslegal.co.uk. We promise that your complaint will be investigated and that you will receive a fair and prompt response.

A copy of our Complaints Procedure is available upon request.

If you are not satisfied with our handling of your complaint you can ask the Legal Ombudsman (LeO) to consider the complaint. His role is to attempt to resolve disputes. Normally, you will need to bring a complaint to the LeO within six months of receiving a final written response from us about your complaint. The LeO can be contacted at PO Box 6806, Wolverhampton WV1 9WJ; telephone: 0300 555 0333; website: www.legalombudsman.org.uk.

You are entitled to make a complaint about our firm’s bill too, in accordance with our complaints procedure. There may also be a right to object to the bill by making a complaint to the LeO, and/or by applying to the court for an assessment of the bill under Part III of the Solicitors Act 1974. However you should note that the LeO may not consider a complaint about the bill if you have applied to the court for assessment.

Our usual office hours are Monday – Friday between 9:00a.m. – 5:00p.m, excluding bank holidays. If you call after these hours, your call will be diverted to a new claims reporting and emergency helpline which is available 24 hours per day, 365 days per year.

Just click on ‘Contact’ on the menu bar for a number of ways to get in touch. A member of either our sales or support team will then be happy to run through everything with you.

We only sell our products and services through Insurance Brokers, please call us on 01260 241555 and we’d be only too happy to put you in contact with one of our supporting brokers.

We aim to offer a high standard of client care and an efficient service but if there is any aspect of our service with which you are unhappy and which you cannot resolve with the person who is handling your case or their team leader, please raise the matter in writing with Michelle O’Reilly at the address on the correspondence or via e-mail to michelle.oreilly@alpslegal.co.uk. We promise that your complaint will be investigated and that you will receive a fair and prompt response.

A copy of our Complaints Procedure is available upon request.

If you are not satisfied with our handling of your complaint you can ask the Legal Ombudsman (LeO) to consider the complaint. His role is to attempt to resolve disputes. Normally, you will need to bring a complaint to the LeO within six months of receiving a final written response from us about your complaint. The LeO can be contacted at PO Box 6806, Wolverhampton WV1 9WJ; telephone: 0300 555 0333; website: www.legalombudsman.org.uk.

You are entitled to make a complaint about our firm’s bill too, in accordance with our complaints procedure. There may also be a right to object to the bill by making a complaint to the LeO, and/or by applying to the court for an assessment of the bill under Part III of the Solicitors Act 1974. However you should note that the LeO may not consider a complaint about the bill if you have applied to the court for assessment.

Our usual office hours are Monday – Friday between 9:00a.m. – 5:00p.m, excluding bank holidays. If you call after these hours, your call will be diverted to a new claims reporting and emergency helpline which is available 24 hours per day, 365 days per year.

Yes. Vehicles used for courier & delivery purposes are acceptable, provided that this is detailed in the policy schedule and the appropriate premium is paid. 

The policy is limited to two (2) claims in any one period of cover. 

No, all vehicles are manual transmission only. 

48 hours

Yes. Vehicles used for courier & delivery purposes are acceptable, provided that this is detailed in the policy schedule and the appropriate premium is paid. 

The policy is limited to two (2) claims in any one period of cover. 

No, all vehicles are manual transmission only. 

48 hours

Yes, this will need to be referred to the underwriter, in order to do this, we require;

• Full motor claims history from the last 5 years
• Type of vehicle
• Excess required

Yes, but this does need to be referred to the underwriter, in order to do this, we require; 

• Full motor claims history from the last 5 years
• Type of vehicles
• Usage of vehicles
• The excess they would require

Yes, this will need to be referred to the underwriter, in order to do this, we require;

• Full motor claims history from the last 5 years
• Type of vehicle
• Excess required

Yes, but this does need to be referred to the underwriter, in order to do this, we require; 

• Full motor claims history from the last 5 years
• Type of vehicles
• Usage of vehicles
• The excess they would require