What is included
- Analysis of the policy, its limiting clauses and the refusal
- Quantifying the loss and coordinating an expert report where appropriate
- Claim to the insurer, its complaints service and the regulator
Your insurer is not paying what it should
We review the policy and the refusal, quantify the loss with an expert report where needed and claim against the insurer and its customer ombudsman.
Insurance: claims and refused cover
What is included and what is not promised
Insurers refuse on clauses the policyholder never read and sometimes on clauses that were never valid: a limiting clause not expressly accepted does not apply. The first step is reading the whole policy, not the refusal letter.
What it includes: analysis of the policy, its limiting clauses and the refusal; quantifying the loss and coordinating an expert report where appropriate; claim to the insurer, its complaints service and the regulator. What it does not include: it does not include the cost of your own expert, which is quoted separately, and does not guarantee the insurer accepts.
Documents you will need
- Full policy with general and particular conditions.
- Claim notification and refusal letter.
- Photographs, invoices and repair quotes.
Indicative timing
We answer your enquiry within 1 working day and send the written quote within 2 working days.
Once your documents are complete, we prepare the file between 3 and 8 working days.
The insurer has statutory response deadlines; the ombudsman and the regulator add months before the court route remains.
See the pricing page for how we charge this kind of matter.
How it works
Estimated duration: 8 days.
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We read the documents
We read the policy, the limiting clauses and the insurer's letter, and tell you whether the refusal holds or not.
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Written demand
We ask for the full policy, the claim report, the refusal and the invoices or estimates of the damage. Agreed price for the out-of-court stage.
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Negotiation
We quantify the damage, with an expert report if needed, and claim in writing from the insurer and its customer service department.
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Agreement or next route
If it does not reply or maintains the refusal, we complain to the insurance regulator and tell you which court route remains.
What to have at hand
- Full policy with general and particular conditions
- Claim notification and refusal letter
- Photographs, invoices and repair quotes
Frequently asked questions
They say I am underinsured.
Worth checking: the proportional rule is frequently misapplied. We review it against the policy.
Does statutory late-payment interest apply?
Where the delay is unjustified, yes, and it is a high rate. We claim it where it applies.
Do I need my own expert?
Where the loss is disputed it almost always changes the outcome. We tell you whether it is worth it and what it costs.
Related services
People who come for “Insurance: claims and refused cover” often need one of these Out of court procedures too. If your case mixes several, it goes in a single file with a single quote.
Your case
Explain the dispute, who it is with and what documents prove it.
Request a quote
Tell us about your case and which documents you already have. We tell you what fits, what is missing and what it costs.