Non-fault motor claims · FNOL → Litigation

The claim, from first call
to final settlement.

ARC replaces the email threads, spreadsheets and scattered notes that run a claims desk with one structured system — every stage, every message, every document, on a single timeline your team actually trusts.

9claim stages, orchestrated
1timeline per claim
SOC 2& GDPR-aligned
CLM-2026-04871 Outstanding Docs
Ms. A. Okafor · BMW 320d — LR21 KMX
  • Payment pack sent to third-party insurer

    Aviva — ref TP/88213 · 14 documents attached

  • Client confirmed hire still in progress

    “Still in the courtesy car, thanks.”

  • Engineer's report generated

    Total loss · PAV £14,250

£23,940 reserve

Built for the desks that run non-fault claims day in, day out — claims handlers, senior reviewers, hire & fleet teams and referral partners — with a light-touch portal for everyone else.

A claims desk shouldn't live in an inbox.

Non-fault claims move through nine distinct stages and dozens of parties. When that lives in email, things fall through the cracks — a chased document here, a missed limitation date there. The cost is real.

  • History scattered across inboxes, WhatsApp and call notes
  • No single view of where a claim actually stands
  • Process changes mean waiting on a developer
  • Litigation deadlines tracked by memory, not by system
The ARC way

One record. Every stage.
Nothing off-system.

Each claim carries its own chronological timeline — emails, SMS, WhatsApp, calls, notes and generated documents — tagged by channel and searchable in one place. Stages and the rules between them are configuration, not code, so your process changes the day you decide it does.

See a live claim record
The claim lifecycle

Nine stages, orchestrated end to end

From first notification of loss to live litigation — ARC knows what each stage requires, what unblocks the next, and what can't be skipped.

  1. 01FNOL

    First notification of loss captured in a guided intake — client, vehicle, incident, third party.

  2. 02Triage

    Liability and merit assessed; the claim is routed and reserved.

  3. 03Financial Assessment

    Repair, total loss, hire and heads of loss quantified.

  4. 04Live Claim

    The active working stage — evidence gathered, parties engaged.

  5. 05Outstanding Documents

    Automated chasing of what's missing before the pack can go out.

  6. 06Payment Pack Review

    Senior sign-off on the bundle before it leaves the building.

  7. 07Sent to Third Party

    Pack issued to the at-fault insurer; response clock starts.

  8. 08Pre-Litigation

    Protocol deadlines, offers and escalation managed to the wire.

  9. 09Live Litigation

    Court timetable, hearings and outcomes tracked to settlement.

Platform capabilities

Everything the desk needs, in one place

Unified, tagged activity log

Emails, SMS, WhatsApp, calls, notes and generated documents — one chronological timeline per claim, not scattered tabs. Filter by channel, jump to any moment, and know exactly what was said and when.

EmailSMSWhatsAppCallsNotesDocuments

Config-driven workflow

Stages and transition rules are stored as data. Change your process without a code release.

Open the workflow builder →

Role-based access

Handlers, senior reviewers, admins, rental agents and external partners each see exactly their remit.

See the roles →

Document generation

Letters and notices from templates with conditional clause logic — the right paragraphs, every time.

Open templates →

Analytics dashboards

Claims throughput, fleet utilisation and financial position — read at a glance, drilled on demand.

View analytics →

Partner portal

A deliberately thin dashboard for referral partners: submit, track and see payout status. Not a second product.

Open partner view →
Letter of claim — AvivaGenerated & sent · 14:22
Call with client — 4m 12sExcess confirmed · 11:05
Photos received3 images of damage · 09:47
Hire agreement uploaded21 days · £84/day
Moved to Live Claimby rule · Triage complete
One timeline

Every interaction, in the order it happened

No more hunting across systems to reconstruct a claim. Each message is captured with its channel, author and time — so a handler picking up a file at 4pm sees the same story as the one who opened it.

  • Channel-tagged & colour-coded at a glance
  • System events (stage moves, rules fired) sit inline with human ones
  • Full-text searchable across the whole claim
  • Feeds the audit log automatically
Fleet & hire vehicle management

Your hire fleet, accounted for to the day

A dedicated module for the vehicles you put on the road: an asset ledger, a booking & allocation engine that matches the right car to the right claim, and utilisation analytics that tell you what's earning and what's idle.

92%Fleet utilisation
148Vehicles on ledger
21dAvg. hire length
Open fleet module
Ford FocusRK71 ZXPOn hire14d
VW GolfLN22 OUEAvailable—
BMW 1 SeriesMA70 HYTOn hire31d
Audi A3YE19 TRBServicing—
Kia SportageGK72 WLDOn hire8d
For your clients

A status tracker they can check
without logging in

Give end clients a clean, login-less page to see where their claim stands and what's needed next. Fewer “any update?” calls, more confidence.

Try the public tracker
Security & compliance

Built to a SOC 2 / GDPR-aligned architecture

  • Global, immutable audit log across every action
  • Role-based authorisation on every record
  • Data-minimising partner & client surfaces
  • Encryption in transit and at rest

See the whole claim,
from the first call onward.

This is a clickable prototype of the ARC platform. Step into the handler's desk, open a live claim, and follow it through all nine stages.