Our fees, explained simply
Three things are true for every claim we cover, whichever type it is:
- You pay nothing upfront. Checking a claim is free, and starting one costs nothing.
- You only ever pay if you win. Every claim we refer is handled on a no win, no fee basis. If your claim doesn't succeed, you pay nothing — as long as you keep to the terms of your agreement with the firm handling it.
- The fee comes out of your compensation. You'll never be asked to find money from your own pocket. The firm takes its agreed fee from what it recovers for you, and you keep the rest.
One more thing worth knowing: Claims Bible doesn't charge you anything at all. We're paid through our commercial arrangements with the partner firms we work with — how depends on the claim type, and is explained under "How Claims Bible is paid" below. The fees below are what those partners charge, and each partner will set its fee out clearly in the agreement it sends you before you commit to anything.
The fee for each claim type
| Claim type | Fee if you win | If you lose |
|---|---|---|
| Housing disrepair | Claims paused — partner fee published here before claims reopen | — |
| Car finance | Claims paused — partner fee published here before claims reopen | — |
| Car write-off | Banded 18%–36% (VAT included) — same bands as the table below | Nothing |
| Unaffordable lending | Capped by law — see the table below | Nothing |
| Personal injury | Up to 25% including VAT of general damages and past losses (future losses excluded) | Nothing |
| Military deafness & injury | Up to 25% including VAT of general damages and past losses (future losses excluded) | Nothing |
| Data breach | Not currently offered — information guides only | — |
| Flight delays (via AirHelp) | 35% of your compensation (VAT included); 50% if court action is needed | Nothing |
| Diesel emissions | Claims are currently paused — no fees, because no claims are being taken | — |
Financial claims: the fee is capped by law
For claims about financial products — that's car finance and unaffordable lending — the law caps what any claims company or law firm is allowed to charge you. Car finance claims are currently paused while we appoint a new claim partner: the cap below is the legal maximum that will apply to the new partner's fees when claims reopen. The cap depends on how much compensation you're awarded, and it works as a percentage or a fixed maximum, whichever is lower:
| Your compensation | Maximum fee rate (VAT included) | Maximum total fee (VAT included) |
|---|---|---|
| £1 – £1,499 | 36% | £504 |
| £1,500 – £9,999 | 33.6% | £3,000 |
| £10,000 – £24,999 | 30% | £6,000 |
| £25,000 – £49,999 | 24% | £9,000 |
| £50,000 or more | 18% | £12,000 |
Two quick examples of how "whichever is lower" works:
- Awarded £1,000: 36% would be £360, and the fixed maximum is £504 — so the most you can be charged is £360, and you keep at least £640.
- Awarded £5,000: 33.6% would be £1,680, and the fixed maximum is £3,000 — so the most you can be charged is £1,680, and you keep at least £3,320.
If part of your refund pays off a balance you still owe: with lending claims, your lender may use some of your compensation to reduce what you still owe them instead of paying it all as cash. The fee is worked out on the total compensation (cash plus balance reduction), but it can never be more than the cash you actually receive — and if all of your compensation goes to reducing your balance, you pay no fee at all.
Car write-off
Car write-off valuation disputes are handled by our partner Allegiant Finance Services (FCA FRN 836810) on a no win, no fee basis. If your claim succeeds, the success fee is between 18% and 36% including VAT of the compensation recovered, using the same five bands as the table above — the percentage falls as the recovery rises, and the fixed maximum for each band applies, whichever is lower. For example, £1,000 recovered would carry a fee of £360, leaving you £640. If nothing is recovered, there's no charge.
Housing disrepair
Housing disrepair claims are temporarily paused while we appoint a new claim partner, so no fees currently arise. When claims reopen, the partner's no win, no fee terms and success fee will be published here before any claim starts. Historically these claims ran on a no win, no fee agreement with the solicitor's legal costs usually recovered from the landlord rather than taken from your compensation.
Personal injury and military deafness
Your claim is handled by a specialist solicitor on a no win, no fee agreement. If you win, the success fee is up to 25% including VAT, taken at the end of the case. That cap is set by law (LASPO 2012 and the Conditional Fee Agreements Order 2013): the 25% maximum includes VAT, and it is calculated on your general damages and past losses only — compensation for future losses is excluded from the fee, so on serious injury claims the deduction is a much smaller share of the total settlement. There are no upfront fees. If your case is unsuccessful, you pay nothing, as long as you comply with the terms of your agreement.
Data breach
We are not currently taking data breach claims — our data breach pages are information guides only, and no fees arise. You can complain to the organisation involved and to the Information Commissioner's Office free of charge. If we begin taking data breach claims again, the fee will be published here before any claim starts.
Flight delays
Flight claims are handled by our partner AirHelp. Their fee is 35% of your compensation, VAT included — if they win. If your claim needs court action, an additional 15% applies, taking the total to 50%. If they don't recover anything, you pay nothing. AirHelp's own site sets out its price list in full.
Diesel emissions
Diesel claims are currently paused across the UK following the High Court's July 2026 judgment, so no diesel claims are being taken and no fees arise.
Changing your mind
Every claim comes with a 14-day cooling-off period — cancel within it and you owe nothing at all. After that, cancelling is still possible, but the firm handling your claim may charge for work already done, depending on its terms. Check the cancellation section of your agreement before you sign; it must be set out clearly.
How Claims Bible is paid
How we are paid depends on the claim type. For unaffordable lending, car write-off and flight delay claims, we receive a payment from the partner firm when we introduce a claim to them. That payment comes from the partner, not from your compensation and not from you. Car finance claims are currently paused while we appoint a new claim partner — how we are paid for them will be set out here when claims reopen.
Personal injury and military deafness claims work differently. The law (LASPO 2012) prohibits referral fees for personal injury business, and we do not receive referral fees for these claims. Our service for these claim types is funded through our commercial arrangements with partner firms, and it never costs you anything.
Common questions
Do I ever pay anything upfront?
No. Checking your claim is free and there are no upfront costs for any claim type we cover.
What happens if my claim loses?
You pay nothing, provided you've kept to the terms of your no win, no fee agreement — for example by cooperating with the firm and giving honest information.
Can the fee be more than my compensation?
No. The fee is always a share of what's recovered for you, and for financial claims it's capped by law at the rates in the table above.
Do I have to use Claims Bible at all?
No — and this matters. For every claim type there's a free route: you can complain directly to the firm or landlord concerned and escalate at no cost — for financial claims such as car finance and unaffordable lending, to the Financial Ombudsman Service; for other claim types, to the relevant ombudsman or compensation scheme. Each of our claim pages explains the free route for that claim type.