Which two entities are involved in resolving first-party disputes?

The Financial Ombudsman Service (FOS) and arbitration are both relevant bodies in resolving first-party disputes in the insurance context. The FOS is an independent service that resolves disputes between consumers and financial service providers, including insurance companies. When a consumer feels that their insurer has not handled a claim properly, they can escalate the issue to the FOS after going through the insurer's internal complaints process. The FOS provides a means for a fair resolution without going through court, which can be a lengthy and costly process.

Arbitration, on the other hand, involves a neutral third party who listens to both sides and makes a binding decision on the dispute. This process can be quicker and less formal than going through the courts, making it an appealing option for resolving disputes related to insurance claims.

The other choices do not fit as neatly into the context of first-party disputes. While the Legal Ombudsman and the courts handle broader legal issues, they are not specifically tied to insurance claims. The Motor Insurance Database is a resource for insurance information, and mediation, while potentially useful, does not have the same formal backing in terms of consumer protection as the FOS. Finally, the Insurance Fraud Register and adjudication generally relate to issues of fraud or dispute resolution within