Product insurance - Disputing claim

Based on resolver’s experience to date, finding out that your insurance will not cover your claim can be upsetting and a financial worry. Check your policy documents carefully to see why your claim is being rejected. Policies vary greatly from company to company and each has their own exclusion clauses. If you have failed to disclose any material facts your insurance may be invalid in the event of a claim. You should contact your insurer to find out why they are refusing to pay out, and should also obtain an address for their customer services.

If you are unhappy with the reasons given for your rejected claim you should ask for an address for customer services, and write giving clear details of your case - such as what happened, when, and why you think you have been unfairly rejected. You should keep a copy of this letter, and send it by registered mail If you are still unhappy with the outcome you should contact the Ombudsman, which will act as a mediator in your case. resolver recommends that you submit your concern in writing and resolver can assist you in submitting, recording and reminding you when and who to escalate to.

Another option would be to check your home contents insurance policy, if you have one. Some policies include items “away from the home”, although if you make a claim this way your contents insurance renewal premium may rise and you will lose any no claims bonus that you may have accrued.

Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.
You should know

• If you’re making a complaint about making an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.

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