Motor insurance: entitlement to credit hire charges

The tricky question in Ali v HSF Logistics Polska SP zoo [2023] EWHC 2159 (KB); [2024] Lloyd's Rep IR 1 was whether a claimant whose vehicle was damaged in an accident which was the fault of a third party was entitled to recover credit hire charges in circumstances where the vehicle did not possess a MOT certificate and therefore could not lawfully have been driven.

Ali: the facts