on Hire

What on Hire does

On Hire Limited is a UK-based, FCA-regulated (No. 480928) accident management services provider founded in 2006 and operating as a subsidiary of Winn Holding Ltd within the Winn Group. The company supplies replacement vehicles, credit repair services, and recovery and storage solutions to victims of non-fault road traffic accidents, with costs recovered on a credit hire basis from the at-fault party's insurer through solicitors. On Hire positions itself as a market-leading nationwide supplier of like-for-like replacement vehicles, claiming that 95% of vehicles provided to solicitor clients are under three years old and that urgent cases are fulfilled within two hours. Repair services use manufacturer's parts rather than insurer-recommended alternatives, and the company offers an interest-free 11-month window for solicitors to recover charges.

The company's go-to-market operates through three primary channels: enterprise relationships with solicitors and personal injury law firms (its primary B2B motion), partnerships with motor industry players (dealerships, body shops, fleet operators, brokers), and direct-to-consumer retail hire. Revenue is generated via transaction-fee credit hire and credit repair services, professional services through On Insurance (an insurance wholesaler launched in 2014), and direct retail car rental. On Hire is part of the broader Winn Group, which employs more than 700 people across Byker and Heaton offices in Newcastle upon Tyne and also operates Winn Solicitors and On Medical.

Operationally, On Hire runs as a services business rather than a technology platform — there is no proprietary technology disclosed, and service delivery depends on human-mediated processes, supplier relationships, and regulatory licensing. The company's competitive position rests on its FCA authorisation, scale as one of the UK's largest accident management providers, an established referral network across the legal and motor industries, and integration with Worldpay for payment processing and Google Analytics for marketing analytics.

Name

on Hire

Legal name

On Hire Limited

Website

https://onhire.net

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

On Hire Limited, founded in 2006 and FCA-regulated, is a UK nationwide accident management provider supplying replacement vehicles, credit repair, and recovery and storage services to non-fault road traffic accident victims, primarily via solicitor and motor industry referral channels.

Ownership category

akta.pro rank

Product category

Accident Management Services

NAICS

Passenger Car Rental (532111), Automotive Equipment Rental and Leasing (5321), Automotive Body, Paint, Interior, and Glass Repair (81112), Automotive Mechanical and Electrical Repair and Maintenance (81111)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510), Services-Automotive Repair, Services & Parking (7500)

akta.pro primary industry

Insurance Replacement / Accident Replacement Rentals (THADAAAI)

akta.pro secondary industries

Accident Replacement & Insurance Courtesy Vehicle Programs (TLABAAAK), Hired & Non-Owned Auto (FSAJABAE)

Keywords

• Credit hire services
• Accident management services
• Vehicle replacement hire
• Credit repair services
• Vehicle recovery storage

Headquarters

HQ city

Newcastle Upon Tyne

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Credit Hire Services: Provides replacement vehicles to victims of road traffic accidents on a credit hire basis. Fees are recovered from the at-fault party's insurer through solicitors. Interest free 11-month period provided for solicitors to recover charges.
2. Credit Repair Services: Vehicle repair management services using manufacturer's parts. Repair costs are recovered from the at-fault party's insurer through legal process.
3. Insurance Products (On Insurance): Insurance wholesaler offering competitively-priced market-leading insurance policies through broker channels. Established in 2014 as a trading name of On Hire Ltd.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

On Hire provides like-for-like replacement vehicles on a credit hire basis and manages vehicle repairs using manufacturer's parts for victims of non-fault road traffic accidents across the UK. The company also offers vehicle recovery and storage services, retail car hire for individual customers, and operates an On Insurance sub-brand that wholesales motor insurance through brokers. Costs for credit services are recovered from the at-fault party's insurer, often via solicitors handling personal injury claims.

Product overview

On Hire operates as a unified accident management services platform offering replacement vehicles and repair management solutions. The core product portfolio consists of three interconnected services: Replacement Vehicle Service, Credit Repair, and Recovery and Storage. The company also operates a Retail Hire service for direct car rentals. Under the On Insurance sub-brand, the company provides insurance wholesaler services through a separate website. Services are primarily targeted at victims of road traffic accidents, solicitors handling accident claims, and motor industry professionals.

Differentiator

Problem solved

Functional benefit

Products and services

• Replacement Vehicle Service (Credit Hire) Market-leading nationwide supplier of like-for-like replacement vehicles for innocent victims of road traffic accidents, providing high-quality vehicles (95% less than three years old) and efficient repair management solutions on a credit hire basis with costs recovered from the at-fault party's insurer.
• Credit Repair Vehicle repair management service enabling clients of non-fault road traffic accidents to use their choice of repairer rather than insurer-recommended repairers, with full repairs using manufacturer's parts to higher standards. Repair costs are recovered from the at-fault party's insurer through legal process.
• Recovery and Storage Vehicle recovery and storage services providing quick and accurate assessment of claims, with replacement vehicles delivered on a credit hire basis. FCA-regulated as one of On Hire's core accident management services.
• Retail Hire Direct car rental service across the UK offering economy to luxury vehicles with nationwide coverage and specialist vehicle options, accessible directly to individual customers via website and phone.
• On Insurance Insurance wholesaler offering competitively-priced, market-leading insurance policies (including motor insurance) distributed through broker channels. Operated as a trading name of On Hire Ltd since 2014.

Quantifiable outcome

• 95% of vehicles offered to clients are less than three years old
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Five partnerships are on record, tiered core.

• SolicitorscoreStrategic or Co-development PartnerOn Hire provides vehicle replacement services for solicitors' clients who are victims of non-fault road traffic accidents. Close working relationships enable comprehensive credit hire and repair service delivery with cost recovery through legal process.
• DealershipscoreStrategic or Co-development PartnerPartnerships with auto dealerships enable rapid vehicle sourcing for replacement. Dealerships benefit from repair referrals and fleet management relationships.
• Body ShopscoreStrategic or Co-development PartnerClose relationships with body repair shops ensure quality repairs using manufacturer's parts. On Hire monitors repair process to minimise client downtime.
• Fleet OperatorscoreStrategic or Co-development PartnerPartnerships with fleet operators provide access to diverse vehicle inventory for replacement hire services across the UK.
• BrokerscoreStrategic or Co-development PartnerRelationships with insurance brokers support the On Insurance product distribution and wider accident management service referrals.

Scale indicators4 records

Recent moves4 records

Expansion highlights5 records

Emerging players

• The Claims Management Company: UK claims management / accident management operator providing replacement vehicles and repair handling for non-fault claimants via solicitor referrals. Directly comparable to On Hire's credit hire proposition with a smaller, more niche operational footprint.
• Autofinity: UK digital motor services platform offering accident replacement and accident management solutions. Comparable to On Hire on accident replacement vehicle supply but differentiated by a digital-first, technology-led delivery model.

Direct peers

• Nationwide Accident Repair Services (NARS): UK-wide vehicle repair and accident management provider with its own body shop network and managed repair proposition. Comparable to On Hire on managed repair, manufacturer-grade parts usage, and partnerships with insurers, fleets and motor manufacturers.
• FMG Repair Group: One of the UK's leading accident management and vehicle repair networks, offering credit hire, credit repair and managed repair services to insurers and claimants. Comparable to On Hire in repair network scale, nationwide coverage, and partnerships with motor industry stakeholders.
• Auxillis: UK-based accident management and credit hire company providing replacement vehicles, repair management and storage services for non-fault RTA victims. Directly competes with On Hire on credit hire pricing, solicitor referral networks, and FCA-regulated credit services in the UK.
• Accident Exchange: UK credit hire specialist providing replacement vehicles to non-fault road traffic accident victims, working closely with solicitors. Direct competitor on credit hire pricing, recovery practice, and FCA-regulated credit hire activity versus On Hire.
• Helmsman Group (formerly Helphire): Long-established UK credit hire and accident management provider, supplying like-for-like replacement vehicles and repair coordination services to non-fault RTA claimants. Closely comparable to On Hire on products (credit hire/repair), customer base (solicitors and accident victims), and FCA-regulated business model.

Broad incumbents

• Avis Budget UK: Global rental brand offering insurance replacement rentals and corporate mobility services in the UK. Overlaps with On Hire's retail hire and accident replacement rental but competes primarily as a traditional rental incumbent, not as a credit-hire specialist.
• Enterprise Rent-A-Car UK (Insurance Replacement): Large global car rental operator with a dedicated insurance/excess replacement rental programme that competes for accident replacement volume in the UK. Comparable on insurance replacement rental but operates at much broader scale and is not a credit-hire specialist.

Others

• Thatcham Research / e2e-assist (adjacent repair): UK accident repair and management support services, including credit hire and repair coordination for insurers and claimants. Adjacent ecosystem participant that competes for parts of On Hire's repair management workflow but is more focused on repair network operations than credit hire.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/onhireltd

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about on Hire