Colour shape graphic Colour shape graphic Cogent Hire - A Different Kind of Credit Hire Company Image

Cogent Hire - A Different Kind of Credit Hire Company

Beside You, With You, For You

Stop us if you’ve heard this before. Yet another company telling the world they’re different. Not like the competitors.

This time, it’s true. Cogent Hire really is a different kind of credit hire company.

We’re not a “we-don’t-trust-you-you-don’t-trust-us” kind of CHC. And we don’t want to be. We’ve seen the combative, litigious, long-winded and delayed way of doing things and it isn’t for us.

We set our own standards, and follow our own rules - checking the needs of our clients and only providing vehicles when they’re needed.

We use leading fraud prevention and claim validation technology to protect the insurers we work with, using Heads Up and Verius to lower risks for everyone we work with, and protect ourselves - and you - from fraud.

We take pride in doing things the right way, from the initial contact through to arbitration. Unlike other CHCs, we view litigation as the very last resort, using Claimspace to make sure arbitration is done quickly, effectively, and with a binding and enforceable decision made by specialist credit hire barristers.

We do all this because we’re bored of the usual arm-wrestle between insurers and CHCs. It’s bad for us. It’s bad for you, It’s bad for policyholders. Most importantly, it’s bad for drivers.

So we set out to do something different. To be a different kind of credit hire company. A true, collaborative partnership. No hidden fees, no arguments over control, no resistance to change. Just sensible, open ways of working that put the policyholder’s needs first.

Beside insurers, with businesses, and for drivers.

Sounds like a better way of doing things, doesn’t it?

The Cogent Team

Cogent Hire is built on the expertise and experience of our leadership team. Our champions of change, who want to rip up the rulebook and pave the way for better ways of working.

Let’s introduce you to our senior team:

Kirsty McKno - Managing Director

Kirsty McKno has campaigned for changes across the credit hire industry. Bringing a strong legal background, and experience chairing The CHO to the Cogent team, Kirsty is driven to make a real difference.

Emma Reid – Head of Finance

With two decades’ experience of the credit hire industry and a role at The CHO, Emma has a helicopter view of the credit hire industry’s financial demands. Balancing financial acumen with operational knowledge, Emma is key to Cogent’s collaborative approach.

“Cogent is an opportunity to do things the right way. By working in partnership with the insurance industry. By delivering greater transparency, more effective customer care and stronger solutions for everyone.”
Kirsty McKno - Cogent

Where our champions of change lead, our team follows, using a technology plus people approach that gives every Cogent employee frictionless access to each of our partners. It means we can all spend more time doing what’s really important. Looking after our customers.

The Cogent Ethos

We’ve seen the best - and the worst - the credit hire industry has to offer. We’ve seen that when everyone works together, when insurers have the reassurance of controlling costs, there’s a better experience for everyone.

Our ethos is simple. We’re transparent. We’re fair. We’re collaborative. We’re forward thinking. And most importantly of all, we’re honest.

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We’ve replaced spiraling repair costs with best practice and control.

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We’ve replaced mistrust and friction with pragmatism and common sense.

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We’ve replaced legacy processes and outdated tech with innovation and shared goals.

And we’ve replaced the tug-of-war between insurers and CHCs with something far more pleasant. Far more effective. A way of collaborative working that puts the policyholder first.

Yes, we’re a different kind of credit hire company. We’d like to think we’re a better kind.

We need to be honest with you. Not everyone’s a good fit for Cogent Hire. We need people who’ll genuinely go the extra mile to help insurers, policyholders and drivers get what they need.

Whether that’s as quick and simple as a car to get them back on the road, or the sort of thing that needs to be built up with time and effort - say a long-term open partnership between insurers and their preferred Credit Hire Company.

But if you’re prepared to do that work, prepared to build the relationships and the trust that we need to have with our partners, we’d be glad to hear from you. Just drop us a line with your CV and a cover letter.

Our ethos is simple. We’re transparent. We’re up front. And we’re open.

Current Vacancies:


At Cogent Hire, our people are inspired to do things differently – We stand alone in the levels of engagement, passion, dedication, and devotion – creating the feeling that you are participating in a crusade. This is an exciting time to join an expanding multi-award-winning group that invests in its staff and believes in creating opportunities for personal development. We have the following vacancies currently available. Recoveries Strategic Lead Case Manager - FNOL Case Manager – Vehicle Deployment IT Development Manager


Cogent’s Policies

Everything we do is completely transparent, and that goes for our policies too. You’ll find everything you need right here:

Need anything clarifying? Have questions for our team, or want to send over your CV and become part of our growing family? We’d love to hear from you.

Simply click here and use the contact form to get in touch.