Whichrate

What Whichrate does

Whichrate Consulting Limited is a UK-based data and reporting platform that supplies vehicle Basic Hire Rate (BHR) intelligence to insurance companies, their agents, and legal professionals handling credit hire claims. The company operates a secure cloud-based data warehouse containing over 65 million UK vehicle hire rates spanning 13 years, ingesting approximately 60,000 new records each day from local, national and international vehicle hire providers. The platform underpins six service lines — Online Reports, MOJ & OIC Portal Reports, Full Reports, Lite Reports, an API, and Trends & Auditing — each targeted at a distinct stage of pre-litigation negotiation or formal court proceedings.

The technical stack combines automated cloud-based data ingestion, blockchain-backed immutability for court-admissible evidence, AI-assisted quality assurance layered with human verification, and a VRN lookup service tied to ABI classification. Online Reports are generated within 25 seconds via self-serve portal; Full Reports are bespoke CPR-compliant statements of evidence prepared by a specialist investigative team. Revenue is earned through a mix of subscription-based reporting (Online, MOJ & OIC, Lite, Trends), professional services for bespoke Full Reports, and usage-based API access. Go-to-market is dual-track: a product-led self-serve portal for transactional users and direct sales engagement with directors for enterprise legal and insurance clients.

The company holds ISO 9001:2015 certification, is UK GDPR compliant, and is operated by a 50-person team led by Directors Paul Roscoe and David Gardner (working together for over 25 years) plus Director of Operations Rebecca Prendergast. It is privately held with no disclosed institutional backing; registered office is in Stafford and operations are based in Uttoxeter, both in Staffordshire. Customers are concentrated entirely within the UK insurance and legal verticals serving the credit hire claims market, with no international customers disclosed.

Name

Whichrate

Legal name

Whichrate Consulting Limited

Website

https://whichrate.co.uk

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Uttoxeter

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Online Reports: Fast, cost-effective solution for pre-litigation negotiations. Case particulars entered online with immediate PDF report generation through secure portal.
2. MOJ & OIC Portal Reports: Comprehensive evidence packs for claims through MOJ Personal Injury Portal and Official Injury Claim Portal, produced in minutes
3. Full Reports: Bespoke CPR-compliant statements of evidence with documentary exhibits, prepared by specialist investigative team
4. Lite Reports: Low-cost, low-risk pre-litigation reports for complex vehicle types (motorbikes, taxis, electric vehicles)
5. API Access: Seamless integration into customer systems and third-party software for decision making
6. Trends & Auditing: Monthly statistics on trends and inflation, auditing of settled cases

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Whichrate provides UK vehicle Basic Hire Rate (BHR) data and reporting services to insurance and legal professionals handling vehicle credit hire claims. Its offerings include online BHR reports generated in 25 seconds, MOJ and OIC portal evidence packs, bespoke CPR-compliant full statements of evidence, lite reports for complex vehicle types such as motorbikes, taxis and electric vehicles, trends and auditing subscriptions, and an API for system integration. The services are powered by a cloud-based data warehouse of over 65 million UK vehicle hire rates spanning 13 years.

Product overview

Whichrate is a BHR (Basic Hire Rate) reporting platform for the UK vehicle credit hire industry. The core offering comprises Online Reports (generating BHR reports in 25 seconds for pre-litigation negotiations), MOJ & OIC Portal Reports (evidence packs for portal claims), Full Reports (CPR-compliant statements with exhibits for litigation), and Lite Reports (low-cost reports for complex vehicles like motorbikes, taxis, and EVs). An API enables system integration, while Trends & Auditing provides monthly statistical intelligence. The platform is powered by a data warehouse of over 65 million UK vehicle hire rates spanning 13 years.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Generate Basic Hire Rate (BHR) report in 25 seconds
• +2 more outcomes

Named customers4 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature5 records

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• JATO Dynamics: JATO Dynamics is a global provider of vehicle specification, pricing, and market data to automotive manufacturers, dealers, and insurance companies. Comparable to Whichrate as a vehicle data provider serving automotive and insurance industry stakeholders, though operating at much larger scale globally.
• cap hpi: cap hpi provides vehicle data, valuations, and specifications for the UK and European automotive market, serving insurance and fleet customers. Highly comparable to Whichrate as both aggregate vehicle-related data for insurance industry use cases, with overlapping customer bases in UK insurance claims.
• CDL Group: CDL Group supplies vehicle data, valuation, and specification services for the automotive and insurance industries. Comparable to Whichrate as a vehicle-focused data provider serving insurance customers with technical and pricing data, with overlapping use cases in claims and underwriting.

Broad incumbents

• Verisk: Verisk is a large analytics provider serving the insurance industry with claims, underwriting, and risk data solutions. Comparable as a broader incumbent in insurance claims analytics, though its scope spans property, casualty, and specialty lines well beyond vehicle hire rates.
• LexisNexis Risk Solutions: LexisNexis Risk Solutions provides broad insurance, claims, and legal data analytics for the UK and global insurance markets. Comparable as an incumbent data and analytics provider serving insurance and legal professionals with claims-related information, though with much broader scope than vehicle hire rates.

Emerging players

• Autobiz: Autobiz provides vehicle data and telematics-based insights for automotive professionals across Europe. Comparable as a vehicle data provider serving the automotive industry, though its emphasis on telematics and residual values differentiates it from Whichrate's hire rate and claims focus.

Regional players

• SilverDAT (DFF): SilverDAT, operated by Deutsche Fahrzeugflotte, provides vehicle valuation and data services primarily in Germany and continental Europe. Comparable as a vehicle data specialist serving insurance and automotive markets, though its primary geography differs from Whichrate's UK-only focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/whichrate-group

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Whichrate