A market-leading, award-winning basic hire rate evidence (BHR)

platform that helps customers reduce rates paid on credit hire invoices

Take control of your incoming credit hire costs.

Arbitrate is a data engine that gathers real-time BHR data in and across the UK.

With access to BHR data covering the past seven years, we deliver huge savings on indemnity spend against incoming claims and unparalleled operating efficiency. Arbitrate is available as either a self-service portal or a service upon request.

Arbitrate was founded by experienced claims professionals with:

diverse and in-depth knowledge of the credit hire and motor insurance markets

a track record of commercial, operational and technological success


By using our report with a robust covering letter and sending it with your settlement cheque, you will improve claims settlement and negotiation times, and lower your overall claims costs.

Accurate, contemporaneous evidence means insurers get a fair price.

We’ve created an intelligent, highly automated solution that gives us access to the rental costs across all of the top rental providers, plus many regional providers, for any point in time during the last 7+ years. Contemporaneous data, giving you the right rental rate for the claim in question, on the right dates, provides you with a robust defence.

We can quickly generate clear, time-specific and geographically appropriate evidence to show the ‘going rate’ or the basic hire rate (BHR) for the period of hire in question.

Our customers can then agree to settle the credit hire invoice at a fair and reasonable daily rate – based on demonstrable, court-compliant evidence.


Why we are different to typical BHR defence…

We provide a truly unique proposition in the marketplace.

We are the only fully automated data engine in the UK, covering the last 7+ years of contemporaneous data.


Our reports are contemporaneous, geographically appropriate and court-compliant.

We have a historic data pool of more than 120 million rows of data, containing hundreds of millions of pieces of information. We cover various daily rental scenarios and availability, adding to our database by an average of more than 100,000 rows per day.

Million rows of data

Results per day

Average £ saving per claim

Basic hire rate (BHR) services throughout the UK

Who we are and what Arbitrate offers

Case studies and case law: how Arbitrate works in practice

Arbitrate articles: helping you save money

Call Chris Clapp, Product & Sales Director