Independent assessment of third-party claims.
Efficient resolution with the claimant.
Arbitrium is a neutral dispute resolution platform for disputed motor claims between insurers and third-party claimants. 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.
Someone claiming against the other driver’s insurer is not an eligible complainant at the Financial Ombudsman Service; DISP 2.7.6R(6) shuts that door for the ordinary injured driver. What is left is letters, phone calls and, in the end, a claim form.
Arbitrium fills this gap.
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