# Insurance: claims and refused cover Source: https://iberfacil.es/en/services/insurance-claims Markdown: https://iberfacil.es/en/services/insurance-claims.md **In short:** Insurance: claims and refused cover. 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. We handle it ourselves from start to finish, with professionals from our network, with a written quote before we start and your case visible in your client area. We ask for the full policy, the claim report, the refusal and the invoices or estimates of the damage. ## Your insurer is not paying what it should First consultation, viability study and quote: **Free until 5 January 2027** Tell us about your case 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. First consultation, viability study and quote: **Free until 5 January 2027** [Tell us about your case](https://iberfacil.es/en/contact) ### The service at a glance #### 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 #### Price Payment on account + success fee Initial payment on account €217.80 VAT included €180.00 + €37.80 VAT (21%) Plus a percentage of what you recover You only pay it once the money is in your account. The percentage depends on the amount recovered, by band: we set it out in your quote, before you sign. [How we charge](https://iberfacil.es/en/pricing#how-we-charge) Price valid until November 23, 2026. Prices include VAT. Public fees are separate, in your name and without a mark-up. ### 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 must pay the minimum it may owe within forty days of the claim notice and, to avoid late-payment interest, the full indemnity within three months; a complaint to the insurer itself and to the regulator (DGSFP) adds months before the court route. See [the pricing page](https://iberfacil.es/en/pricing) for how we charge this kind of matter. ### How it works 1. **IS THE REFUSAL SOUND?** We read the policy, the limiting clauses and the insurer's letter, and tell you whether the refusal holds or not. 2. **DOCUMENTS AND PRICE** We ask for the full policy, the claim report, the refusal and the invoices or estimates of the damage. Retainer for the out-of-court stage; the success percentage is set out in the quote. 3. **QUANTIFICATION AND CLAIM** We quantify the damage, with an expert report if needed, and claim in writing from the insurer and its customer service department. 4. **DIRECTORATE-GENERAL FOR INSURANCE OR COURT** 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? It can carry a lot of weight in the negotiation; 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. - [Road traffic accidents and compensation](https://iberfacil.es/en/services/traffic-accidents) - [Expert reports in every discipline](https://iberfacil.es/en/services/expert-reports) - [Consumer authority complaint](https://iberfacil.es/en/services/consumer-complaint) - [Certified letters and formal demands](https://iberfacil.es/en/services/certified-demands) [See everything we do in Out of court](https://iberfacil.es/en/services/out-of-court) This content is informative and educational: it is not legal advice and does not replace consulting a professional. If you need advice on your own case, [get in touch](https://iberfacil.es/en/contact).