Independent assessment in recoveries.
Efficient resolution between insurers.
Arbitrium is a neutral dispute resolution platform for disputed motor recoveries between two insurers. Both sides receive the same reasoned assessment minutes after the last word, and a figure they can settle on. That saves motor insurers time and money across the whole claims portfolio.
Below £10,000, even winning costs you money.
Under £10,000 each side pays its own lawyer, win or lose. From there up to £100,000, Fixed Recoverable Costs apply, as they have since 1 October 2023, and what a winner recovers is set by table. Either way the money goes on the argument, not on the claim. Arbitrium is an alternative that settles these disputes before they reach court, before the costs arise.
- 2.5 million
- private car insurance claims in 2025, with £11.9 billion paid out by insurers
- 98 → 102 → 108 %
- net combined ratio in 2024, 2025 and expected for 2026. At 108 %, forecast for 2026, each pound of premium is expected to cost £1.08 in claims and expenses.
- 41 weeks
- the median wait for a small claims hearing, April to June 2026
What the losing side pays the winner, as a share of the claim
Choose a claim value.
13 %
of a £5,000 claim is what the losing side pays the winner: court fees and £80 of fixed legal costs.
11 %
goes on court fees alone. Each side pays its own lawyer on top, win or lose.
Court fees £551: issue fee £205 and hearing fee £346. Small claims track.
Vehicle damage without injury, claim won in full after a hearing, before VAT, experts and expenses.
Calculate your own savings
Files where the other side does not accept your view of fault.
Handler time, panel solicitor, engineer, the correspondence.
Your estimate, not ours: how often you think Arbitrium could settle a dispute.
Spent on arguing liability£3,600,000 a year
Stays in the book at 60 %£2,160,000
0.4 points off the combined ratio
A combined ratio is claims and expenses over premium. A pound of cost you never incur is a pound of underwriting result. That is why, at 108 %, the cheapest claim is the one that never became an argument.
All four figures are yours to set. We do not put a number on what Arbitrium saves you; the market figures above are sourced, this arithmetic is your own.
ABI, private car insurance claims 2025 · EY, UK Motor Insurance Results, 23 July 2026 · Ministry of Justice, Civil Justice Statistics Quarterly, April to June 2026 · Civil Proceedings Fees Order 2008, Sch. 1 · CPR 26.9, 27.14 and PD 45 · checked 27 September 2026
There is no ombudsman for this dispute.
An insurer recovering what it has paid out from another insurer is not an eligible complainant at the Financial Ombudsman Service. Without an agreement between the two, what is left is letters, phone calls and, in the end, a claim form.
Arbitrium fills this gap.
Five steps from dispute to settlement.
Both insurers put their case in writing, in the same structure. The assessment arrives minutes after the last word, not months later. There is no hearing and no mediator.
Step 1
The account
The insurer that paid for the damage describes the collision and its payment, guided by plain questions.
Step 2
The reply
The other driver’s insurer answers point by point. The insurer that paid then has a week to respond, and the other driver’s insurer a week for the last word.
Step 3
The evidence
Both insurers upload photos and documents directly. They are evaluated and form part of the case assessment. The drivers give their own account as witnesses, through a separate link.
Step 4
The assessment
Both insurers receive the same reasoned assessment of apportionment and quantum, at the same time.
Step 5
The settlement
Each side has three days to say yes or no to the figure. If either says no, there are up to two rounds of offers. Nothing binds either side until they agree.
Get to know Arbitrium.
We show you the demo in person, on one of your own files if you like. Write to us and we’ll set up a time.
Request a demoor email us at kontakt@arbitrium.legal