Insurance company not covering claim

If something has gone wrong, then you will be relieved if you took out insurance to protect you against the risk.

However you and the insurance company may have different views about whether the event was covered by the insurance. Also you may not agree on what is a fair payment.

The law expects both you and the insurer to have acted reasonably. If the insurer will not fully cover your claim you may have to take legal action against them. However the first step is a written complaint letter. Some insurers will then be prepared to consider mediation. 

For disputes of £10,000 or less our small claims service should be able to help you. To get started here is a summary of the law and a sample complaint letter.

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