Personal insurance claims
Support for individuals facing a disputed claim under a personal policy, where advice or representation may be available following an assessment of eligibility and the merits.
Specialist claims against insurers unit
Specialist claims against insurers unit
We represent vulnerable and marginally excluded people first. Where an insurance dispute is within our remit, eligible individuals may be considered for free or pro bono help. We also advise businesses on commercial insurance disputes, reinvesting commercial revenue into our community work. Every matter is assessed on its facts, merits and available resources.
When the insurer says no
A claim dispute needs a close look at the policy and the evidence
Insurance disagreements can involve more than whether a loss happened. The dispute may turn on the policy’s wording, the information available when cover was arranged, an exclusion, or how the insurer has assessed the claim.
We help individuals and organisations understand the reasons given, identify the issues that matter and consider a proportionate way forward. For eligible vulnerable people, free or pro bono assistance may be available following assessment; commercial instructions help fund the wider community mission.
Issues we can help assess
Personal and commercial claims against insurers
Declined or avoided claims
Advice where an insurer refuses cover, avoids a policy, or relies on alleged non-disclosure, misrepresentation or a breach of policy conditions.
Policy wording and scope of cover
Reviewing the wording, exclusions and relevant circumstances where the extent of cover or the insurer’s obligations are disputed.
Delayed, reduced or withheld indemnity
Support when payment is delayed, an indemnity is reduced, or an insurer disputes what it should pay under the policy.
Insurance broker disputes
Considering concerns about the placement of cover, broker advice or the information provided when a policy was arranged or renewed.
A practical way forward
How we approach a dispute
Step 1
Understand the decision
We review the policy documents, the insurer’s reasons and the key facts to clarify what is in dispute.
Step 2
Assess the options
We identify relevant evidence, deadlines and practical routes for responding. The available options depend on the policy and circumstances.
Step 3
Pursue a resolution
Where appropriate, we can assist with correspondence, negotiation, alternative dispute resolution or court proceedings.
For commercial operators
Insurance disputes affecting a transport business?
Our commercial work includes bus, coach, haulage, fleet and logistics businesses facing insurance coverage disputes.
Discuss the dispute with us
We can discuss the issue, the documents available and possible next steps. Fees and funding options are considered individually and confirmed in writing.