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It's about time credit hire was outlawed - and I'm surprised the judiciary hasn't had a go at it. Look at Umerji v Zurich. U's car was worth £7k and written off in a crash. He claimed £100k in credit hire costs and was allowed about £25,000 for five months' hire. How the hell is that reasonable?

Indeed, why the hell do insurers not bloody buy a fleet of cars and loan them out instead?

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