Read the policy and decision together
The policy schedule, wording, exclusions and claim correspondence all matter. We consider the reason given for refusal or reduction against the documents and facts.
Disputes Affecting You
Insurance Claim Disputes
A rejected claim or disagreement over a payout can leave you facing costs you expected insurance to cover. We can review the policy, the insurer’s explanation and the available ways to challenge the decision.
Understanding your next steps
How we can help
Organise the claim evidence
Keep the original application, renewal information, reports, photographs and a record of losses. Tell us about any deadline for responding or providing further material.
Consider the complaint route
An internal complaint or, where eligible, the Financial Ombudsman Service may offer a route without court proceedings. We can explain the options and whether paid legal advice is proportionate.
A clear way forward
What happens next
What to have ready
Send the complete policy and schedule, claim form, insurer’s decision and any expert reports. Include the final response to a complaint if one has been issued.
Your next step
Tell us the type of cover, amount disputed and current stage. We can discuss a document review and the next step, including any available complaint process.
Planning ahead
Fees and timescales
01 / Fees
What the costs cover
A policy review, help with a complaint and court representation have different costs. We agree the scope, our fee and VAT first. If a free ombudsman process is available, we explain that option so you can consider whether paid assistance is worthwhile.
02 / Timescales
Timing and deadlines
Policy notification terms, complaint deadlines and court time limits can differ. A complaint does not necessarily protect a court deadline, so have the dates checked.
Read our published Price Guide, then contact us to confirm the work you need and the costs involved.
View Price GuideUseful to know
Your questions, answered
Must I go to court if a claim is refused?
No. The insurer’s complaints process and an eligible ombudsman complaint may be available. The appropriate route depends on the policy and dispute.
Do I need a solicitor for the Financial Ombudsman?
You can complain to the Financial Ombudsman Service yourself. We can discuss whether legal advice would add value in your particular circumstances.
Can you review a reduced offer?
Yes. Provide the calculation, policy wording and evidence of your loss so we can assess the issue and the scope of advice needed.
Will my policy cover the legal costs?
Some policies include legal expenses cover, subject to terms and approval. Check it before instructing paid work and tell us what the insurer has agreed.
General information for England and Wales. Contact us for advice about your circumstances.
SJS Solicitors · Balham