CLARK v ARDINGTON

[2002] Lloyd's Rep IR 138

OXFORD COUNTY COURT

Before Judge Charles Harris QC

Insurance (motor) - Credit hire - Subrogation - Owners of damaged vehicles entering into credit hire agreements covering cost of replacement car and taking out insurance policies against risk of non-payment by Defendants - Whether policies valid - Whether credit hire agreements were consumer hire agreements within the Consumer Credit Act 1974, section 15 - Whether agreements were exempted from the 1974 Act by Consumer Credit Exempt Agreements Order 1989 - Measure of damages recoverable from Defendants - Calculation of local spot rate for hiring charges - Whether interest recoverable from Defendants.