Emma Fuller

Emma is head of our national credit hire team, which deals with both litigated and pre litigation work ranging from small track to multi track value. The team also specialises in credit hire fraud.

She has over 14 years’ experience advising clients across a range of sectors including credit hire, motor and fraud. Emma and her team work for over 40 insurers and self-insured’s, and save them in excess of £20 million pounds a year on credit hire spend.

Emma has a market leading reputation in the Defence of credit hire claims. As well as handling high value and complex claims herself, she works closely with her clients to ensure they are aware of and are adapting all the latest tactics to secure ultimate savings and reduce leakage on credit hire claims. Emma has redesigned the management information capture relating to credit hire to ensure detailed sufficient information can be fed back to client’s, including details of all savings and how these were achieved.

Relevant experience includes:

• Umerji V Khan & Zurich [Court of Appeal Civil division, 25^th March 2014] where we successfully appealed a first instance decision that impecuniosity did not extend to periods of hire. The judgment has considerably assisted insurers defending credit hire cases where significant delays in repairs or total loss are involved.
• Emma’s strategic input in Stevens V Equity Management [2015] EWCA Civ 93, this was retained by the defendant insurer to provide strategic advice even though we were not on record.
• Lawson v Mullen, and Grice V Atos which Emma successfully ran to appeal, which provided essential guidance for dealing with basic hire rates. These results have helped significantly reduce the average rates payable on credit hire claims.

Emma is recognised by the Legal 500 as ‘a Power Player in the area of credit hire’. Her team is also recognised, confirming ‘the credit hire team has a truly in depth understanding of their area of law and a tremendous spirit de corps’.

Emma is regularly quoted in the insurance press on all things credit hire and damage related.