TCF’s full BHR reports are the company’s flagship service and for a decade have been known throughout the industry for their impartial, transparent, tried and tested methodology, their ease of use and the robust nature of the evidence provided.

TCF currently provides two full BHR reports for its clients which fall into two categories – Standard and Non-Standard. These are differentiated by the ABI GTA category in which the subject vehicle falls.

The difference between these reports reflects the increased time and effort that goes into each non-standard instruction received over and above that of a standard instruction due to the geographical difficulty of obtaining comparable vehicle hire rates for non-standard vehicles.

TCF’s flagship full BHR reports both include fully CPR compliant witness statements outlining the precise methodology undertaken in order to obtain the comparable vehicle hire rates evidenced within the report.

Whilst, as an independent impartial company, TCF’s witness statement wording must at all times be standard across the board, we do offer our clients the opportunity to create around this a report that is fully bespoke to their needs and requirements.

The following services are designed to aid our clients in putting forward a solid and watertight comparison of hire and availability.

TCF’s methodology is simple and clear. Our rates collators begin with a simple Google search and then replicating exactly the vehicle hirer’s circumstance use a ‘mystery shopper’ approach to demonstrate the cost of hiring the desired vehicle in the open market.

At all stages of the process time and date stamped screen grabs are saved recording and evidencing both the methodology and results obtained by TCF. Where telephone calls are required to confirm aspects of a quotation not provided by our screen grabs, recordings are made readily available to our instructing clients upon request, allowing for a seamless and transparent auditing process.

Full Standard Report – What is included :

Court Compliant Internet BHR Report

TCF Corporate’s Claimant specific low cost CPR compliant report designed for fast track claims.

Benefiting from the input of our experienced team of rates collators who take into account variables such as age, licence endorsements and occupation this report ensures there are no nasty surprises further down the line.

TCF’s Court Compliant Internet Report includes a fully CPR compliant witness statement outlining the precise methodology undertaken in order to obtain the comparable vehicle hire rates evidenced within the report.

As ever, TCF’s methodology is simple and clear. Our rates collators begin with a simple Google search and then replicating exactly the vehicle hirer’s circumstance use a ‘mystery shopper’ approach to demonstrate the cost of hiring the desired vehicle in the open market.

At all stages of the process time and date stamped screen grabs are saved recording and evidencing both the methodology and results obtained by TCF.

The sole feature differentiator between the Court Compliant Internet report and the Full BHR Report is that no telephone calls are made.

Whilst not as complete as the Full BHR Report for this reason, the ruling of Bunting v Zurich Insurance Plc [2020] reinforces the benefits of such a report which provides excellent value bespoke rates evidence without sacrificing that personal touch and scrupulous attention to detail upon which we have built our reputation over the last decade.

What is included:

• Witness Statement
• Instruction Summary
• Basic Hire Rate Summary
• Comparison Costing Graph
• Google Search Summary
• 3 x Basic Hire Rate Quotations

Timescales TCF’s standard turnaround is 8 working days, however, reports can be completed in as little as 24 hours if required at additional cost.

Please contact us if you would like to receive an example report and pricing.

The Stevens-v-Equity judgement thrust the importance of insurance excesses to the forefront of our thinking and to ensure that our BHR evidence maintained it’s hard earned reputation for robustness we knew we had to go further in this area.

This was because high street providers are not always able to lower their insurance excess to zero due to the value of the vehicle or because of limitations placed on them by their insurance policy.

TCF’s response to this is to offer our free-of-charge but optional integrated excess reduction service to ensure that excesses are reduced to zero wherever it is possible to do so.

TCF’s fully integrated excess reduction report is compiled once a week and follows the same methodology as our BHR report whereby the Google search engine is used to identify the first three companies offering hire vehicle excess reduction insurance policies. 

There are a large number of these company’s on the open market who are able to reduce the excess of the vast majority of hire vehicles to zero.

Be aware, however, as these excess insurance policies do not operate in the same way as the traditional excess reduction products operated by the hire providers in that they are excess reimbursement policies.

This means that in the event of an accident or a vehicle theft, the hirer must still pay their excess directly to the lessor before claiming that money back from the excess reduction insurance provider.

Limitations do exist in terms of which vehicles can be covered by these insurance policies but TCF can advise on a case by case basis.

TCF’s rebuttal service is a product designed to take the strain off of our clients when evidence submitted by TCF is queried during negotiations.

This product has two service levels:

• Informal comments to general queries which are not charged for by TCF.
• A fully CPR compliant witness statement in which the author of the original report will set out formal responses using their own first-hand knowledge to any queries or questions posed to facilitate a timely and successful negotiation for both parties. This is a paid for service.

Please contact us if you would like to receive an example rebuttal statement.