Independent assessment.
Efficient resolution.
The independent digital body for disputed liability after a road traffic collision. Both sides receive the same reasoned assessment within days and can settle on it.
Below £10,000, winning costs you money.
In the small claims track neither side recovers its costs, so every hour spent on a disputed claim is an hour nobody pays for. Above that threshold the Fixed Recoverable Costs regime has applied since 1 October 2023 under CPR Part 45, and what a claim costs to fight is fixed from the moment it is allocated. Either way the money goes on the fight rather than on the claim.
That is why the case for resolving early is a case about cost. Court delays in England and Wales have been falling year on year, so waiting is no longer the main problem. Paying to argue still is.
- 2.5 million
- motor claims a year, on which insurers pay out £11.9 billion
- 300,867
- motor personal injury claims registered with the Compensation Recovery Unit in 2025/26
- 111 %
- net combined ratio expected for 2026, with claims inflation the driver
For this dispute, no one else is responsible.
A third party claiming against the other driver’s insurer is not an eligible complainant at the Financial Ombudsman Service. DISP 2.7.6R(6) admits them only where the claim under the policy has passed to them by contract, assignment, subrogation or operation of law, and transfers under the European Communities (Rights against Insurers) Regulations 2002 are expressly excluded. The ordinary injured driver therefore has no route there at all.
What remains is a letter, a phone call, or a claim form. Arbitrium is the step in between.
Four steps, both sides, one number.
The procedure runs in writing and in days. Nobody sits in the middle of it.
Step 1
The account
The claimant describes the collision, guided by plain questions.
Step 2
The reply
You answer point by point, and each side then has one more round.
Step 3
The evidence
Every document is tied to the disputed point it actually supports.
Step 4
The assessment
Both sides receive the same reasoned assessment of apportionment and amount, at the same moment.
The claimant answers within a week, you have a week for the last word, and the assessment follows. If the parties want to settle on it, they have three days and two rounds of offers to get there.
Apportionment and amount, with the reasons.
Arbitrium assesses both what each side must bear and what the loss actually comes to. The apportionment follows the Law Reform (Contributory Negligence) Act 1945, weighing causative potency as well as blameworthiness, and it stays broad-brush, as the courts treat it. Breaches of the Highway Code are weighed as evidence under s. 38(7) of the Road Traffic Act 1988, not as an automatic answer.
Both sides see the same figure at the same time, with the reasoning that produced it. Where the case genuinely turns on judgement, the assessment says so.
Not a Part 36 offer. The ground one stands on.
An assessment from Arbitrium binds nobody and is not an offer under CPR Part 36. What it gives you is a reasoned figure from a neutral source, which is the thing you need before you decide whether to make such an offer, or whether to accept one already on the table.
The saving is not in any single file. It is in the ones across the portfolio that never become proceedings at all.
See Arbitrium for yourself.
We are glad to walk you through the procedure in person, on a file from your own book if you would like.
Get in touchor write to kontakt@arbitrium.legal
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