The Credit Hire Organisation (The CHO) is an independent, self-regulated trade body that exists to represent your interests, and the interests of all the credit hire companies (CHCs) that work tirelessly, providing intervention and direct hire services to give customers back their mobility after road traffic accidents.
When a customer experiences a road traffic accident, the knock-on effects can be huge and long-lasting. Loss of a vehicle can cause problems with work, childcare and quality of life. As a CHC, you safeguard the rights of these people to be put back in the position they were in before an accident.
As your trade body, we safeguard your rights.
CHCs make a substantial contribution to the UK’s economy, employ thousands of people and help hundreds of thousands of customers each year. But despite the benefits we provide to the country and our customers, our industry can often find itself at odds with regulators, insurers and legislators.
The CHO gives our industry the voice to speak up and speak back. Speaking with a single, stronger voice, the CHCs represented by The CHO are able to drive our industry forwards towards a profitable, successful future.
Along with representing our members across the industry, we also provide you with invaluable information. A secure fraud forum, pooled knowledge on best practices and legal developments, and a self-regulated code of conduct allow us to put
your best interests at the forefront.
Because with The CHO looking out for you, you’ll be free to focus on what really matters. Your customers’ needs.
Unfortunately we are trade only and cannot help with personal claims.
Who We Are
The CHO is made up of CHCs just like you, along with members of associated industries and sectors.
Born from a merger between the Accident Management Association (AMA) and the National Association of Credit Hire Operators (NACHO), The CHO is an organisation formed by a desire to collaborate.
Notes from the earliest meetings between the groups which would become The CHO stress the importance of co-operation, of smoothing relationships between CHCs and insurers with honest appraisals of what we offer, and of ensuring that the hard and diligent work of members is respected.
It’s no coincidence that meetings between The CHO’s current committees almost a decade later return to these same themes of collaboration, transparency and diligence. Our meetings may no longer take place in The Boddington and Dragon in Wilmslow, but our vision for our industry hasn’t changed since it was first put to paper in 2010.
Our team is filled with experienced representatives who’ve been elected to their positions by their peers, and who work tirelessly to further the development of our industry.
From running conferences and training sessions through to representing the credit hire industry during GTA negotiations, our team members are committed to helping you to help your clients and customers.
We’re proud to introduce our team:
Drawing on 20 years’ experience as a solicitor in the credit hire field, Kirsty has been The CHO’s chair since 2016. Dedicated and driven, Kirsty has represented the industry with the CMA and in front of both the MOJ and Transport select committee, making her a natural fit for the task of representing the interests of The CHO’s membership.
Head of Marketing and Business Development
Head of Finance and Administration
A transparent, trustworthy trade body needs transparent, trustworthy finances and administration. Having run financial teams handling millions of pounds per month, Emma has the skills and experience to keep The CHO running smoothly. For 16 years, Emma’s worked for a leading CHC, giving her a keen insight into the way our members handle their day-to-day operations.
Head of External Affairs
The CHO’s voice needs to be heard by politicians, the media and a range of external stakeholders. When our industry is in the spotlight, whether in Westminster, Whitehall or newsrooms across the country, Ben is on-hand to make sure that our voice is heard and our message understood.
Head of Business
What do our members say about us?
The meetings to discuss key topics and providing updates on the industry have been very informative and provide a great networking opportunity
We have been members of the CHO for many years and have found the contribution of the CHO to the industry during this period to be invaluable
They took the time to come to our offices and ask us about our business and the problems that we face on a daily basis.
The CHO offers fantastic networking opportunities as well as being at the forefront of the latest industry developments.
The CHO provides a supportive and friendly service to the industry. Events and conferences are well structured and informative
Our Principles Define
What We Do
The CHO was set up to give a voice to the most important people in the credit hire industry. The people who form it. All CHCs, large and small should have a say in how the industry is run, how we grow, and how we self-regulate.
The credit hire industry’s aim is simple. Our customers look to us in our hour of need. Through no fault of their own, they’ve experienced an accident and they’re worried about how they’ll make it to work, get the kids to school, live a normal life without their own car. We offer peace of mind, reassurance, and a return to normality. Our services also support professional drivers, such as taxi drivers and driving instructors, make their living from driving.
The CHO supports that aim.
Our mission is simple. Look after our members, and give them the tools and the avenues to look after themselves and each other. Our vision is even simpler – a thriving, profitable industry defined by standards we agree to. And our values of collaboration, transparency and pragmatism guide us towards that vision.
“To drive the credit hire industry forwards to a successful future.”
The credit hire industry faces challenges. Sometimes those challenges are from insurers, solicitors and policy makers. Sometimes they’re caused by the changing demands of customers.
The CHO exists to meet these challenges head on.
Our mission is to ensure that the whole credit hire industry is informed, prepared and supported throughout all of the challenges we face. If a new judgement or case law development has an effect on the industry, it’s our mission to ensure that our members know what’s ahead of them.
But our mission isn’t just to set the agenda for the industry’s future. The CHO is a builder of partnerships, alliances and consensus. We believe that by bringing CHCs together and giving you a voice, we’ll help the industry sector for years to come.
“A trustworthy, reliable and successful industry, speaking with one voice.”
The CHO’s vision of the future is one that our members share. By regulating our own businesses and forming our own standards of excellence, we will ensure that the credit hire industry is respected, trusted and valued.
We believe that The CHO’s members have the experience, vision and drive to regulate the industry themselves, freeing us all to focus on what matters most to us all – the customer.
By bringing CHCs together, we envision membership of The CHO acting as a kitemark, an indicator of quality. Your voices will be heard, your ideas will be acted upon, and your industry will be guided by your experiences.
The CHO won’t set the standard. You will. And when our members work together to insist on standards of practice, we’ll create an organisation and an industry that you can be proud of.
Our values reflect the needs of our members. The CHO doesn’t look to impose values. We simply adopt the values of the CHCs who are proud to call themselves members. The companies we represent and speak for place great importance on the values here, and our committee ensures that The CHO embodies them in everything we do.
The CHO exists to give all CHCs of all sizes a voice and a say in how the industry is run. Our pricing structure is designed to make membership just as accessible for a smaller company as it is for the sector’s big players. We’re open to all CHCs who abide by our code of conduct, along with selected associates with a part to play in the industry’s future.
The CHO brings together a wide range of businesses. Some are large, some are small. Some are even direct competitors. But by focusing on collaboration, we make it possible for the industry to speak with one voice on the issues which matter most.
The CHO can only exist thanks to the trust of our members. By ensuring transparency in everything we do, we provide our members with peace of mind. You know that your voice is being heard. You know that your investment is being used to further your business’ goals. And you always know that we only answer to you – our members.
If the credit hire industry doesn’t take responsibility for its own standards, we run the risk that they’ll be imposed on us from outside. The CHO believe that a strong trade organisation’s main focus should be on ensuring the industry can self-regulate. Acting on behalf of our members, we take responsibility for standards and conduct within the industry.
Our final value is perhaps the most important. The CHO is run for the benefit of all of our members. We believe in working diligently on your behalf, focusing on the issues that will help the industry as a whole as opposed to our own individual corner of it. Every member of our committee is devoted to working hard on your behalf, ensuring that it’s our members’ voice which drives the industry forwards.
Supporting the Community
The CHO’s first commitment is to our members, our associates and to the industry. But every industry body also has a responsibility to the community at large. That’s why we’re proud to support Winston’s Wish.
Winston’s Wish gives hope to bereaved children. Since 1992, the charity has led the way in providing child bereavement support services across the whole UK. The CHO aims to support this goal any way we can, with a firm commitment to fundraising for this worthiest of causes.
We recognise our members’ efforts too, with the year’s top fundraiser set to receive a highly coveted prize at our next yearly conference. If you’re looking to get involved, you’ll learn about upcoming charity efforts in our regular newsletters.
To learn more about Winston’s Wish, please click here