Defensible 


Hire Rate Evidence

Built for Real-World Disputes

An evidence-led platform for assessing, validating and defending hire rate claims.

Used for ~70% of all UK hire rate reports

337+



Customers served

over the last 12 months

76%

Average savings

using Whichrate services compared to CHO demand amounts

£381m

Instructed

Over the last 12 months

13.7m

Hire Rates Collected

Across the UK in the last 12 months

Problem

Why current hire rate assessments fall short

The hire rate landscape in Australia is becoming more complex, with increasing pressure from inflated claims and inconsistent evidence.

In many cases, the tools used to assess hire rates haven’t kept pace.

  • Comparisons are not truly like-for-like

  • Key cost factors are not consistently applied

  • Evidence is difficult to rely on when challenged

This makes it harder to establish a position with confidence - particularly in disputes.

What’s needed is a more consistent, evidence-led approach to assessing hire rates.

our Platform

our Platform

A clearer way to assess and defend hire rates

Whichrate provides a structured, evidence-led approach to hire rate assessment - designed for claims, negotiation and dispute resolution.

The platform supports a range of outputs including instant online reports, expert reports and court-ready evidence.

  • Platform Highlights
  • True like-for-like vehicle matching

  • Full Total Cost of Hire modelling

  • A consistent, defensible methodology

  • Continuous refinement to reflect market changes

Built for the Australian market

Whichrate has undergone extensive review and testing to ensure suitability for the Australian market and local legal framework.

Expanded categories to cater specifically for the Australian market, including Light/Commercial vehicles, Utes, Sports Vehicles, Motorbikes and Scooters

Over 10m rates available via out online platform. With around 500,000 added every month

Why Whichrate

Why insurers choose Whichrate

Why insurers choose Whichrate

Whichrate is designed to support better decision-making across every stage of a claim.

Whichrate is designed to support better decision-making across every stage of a claim.

  • Superior evidence quality

    Superior evidence quality

    Superior evidence quality

    Fully transparent cost modelling, with true like-for-like vehicle matching.

    Fully transparent cost modelling, with true like-for-like vehicle matching.

    Fully transparent cost modelling, with true like-for-like vehicle matching.

  • Negotiation-ready outputs

    Negotiation-ready outputs

    Negotiation-ready outputs

    Clear, defensible scenarios designed to support counter-offers and reduce friction.

    Clear, defensible scenarios designed to support counter-offers and reduce friction.

    Clear, defensible scenarios designed to support counter-offers and reduce friction.

  • Consistency & control

    Consistency & control

    Consistency & control

    A standardised methodology applied across all claims, improving governance and reducing variability.

    A standardised methodology applied across all claims, improving governance and reducing variability.

    A standardised methodology applied across all claims, improving governance and reducing variability.

Whichrate is the fastest online rate search platform we have used in Australia

Tier 1 Insurer 

results

Proven to deliver measurable savings

Results from testing with an Australian insurer.

Whichrate identified materially inflated hire claims across duration, daily rates and add-ons. By applying evidence-led assessment and like-for-like vehicle matching, significant savings opportunities were identified.

  • 80%

    Claimed Rate Reduction

Proven at scale in the UK market

Developed and refined in the UK's mature credit hire market.

  • 76%

    76%

    of all UK hire-rate lookups run through Whichrate

    of all UK hire-rate lookups run through Whichrate

  • $557M

    $557M

    in customer savings delivered in the UK over the last 12 months (AUD)

    in customer savings delivered in the UK over the last 12 months (AUD)

  • 13.7M

    13.7M

    rates collected and analysed over the last year

    rates collected and analysed over the last year

Whichrate is not an emerging platform.

It is the established market standard in the most contested credit hire jurisdiction in the world.

How it works

Simple to implement.
Easy to use.

Simple to implement.
Easy to use.

Whichrate is designed to fit into existing workflows without disruption.

Whichrate is designed to fit into existing workflows without disruption.

  • True like-for-like vehicle matching

  • Generate reports as and when you need them

  • Apply the outputs directly to your claims and negotiations

  • No subscription - you only pay per report

services

More than an online hire rate platform

Whichrate combines online reports, expert evidence, intervention tools and API integration to support hire rate assessment from first review through to dispute resolution.

  • Online Reports

    Online Reports

    Online reports for evidence-based decision making. Choose from individual rates or median rates

    Online reports for evidence-based decision making. Choose from individual rates or median rates

  • Full Reports



    Full Reports



    Full expert reports for complex or litigated cases

    Full expert reports for complex or litigated cases

  • Third Party Intervention SMS

    Third Party Intervention SMS

    Third-party intervention SMS to reduce early costs

    Third-party intervention SMS to reduce early costs

  • Like-for-Like Vehicle Category Lookup

    Like-for-Like Vehicle Category Lookup

    Vehicle lookup for instant classification

    Vehicle lookup for instant classification

  • API key

    API key

    API integration for internal systems

    API integration for internal systems

See how Whichrate performs with your own claims

Start with a free trial using your own claims – either live via our online portal or we can review a set of historical claims for you.

No subscription, no long-term commitment. After the trial you simply pay per report. 
A simple, straight forward way to test how our platform can deliver savings for your business.