Review the decision
We examine the policy wording, correspondence, settlement calculation, reports and evidence.
How We Can Help
Your Insurer’s Decision May Not Be the Final Word
If your insurance claim has been rejected, delayed or underpaid, we review the policy, the insurer’s decision and the supporting evidence before explaining the strongest available route forward.
Identify the dispute
We look for misapplied exclusions, overlooked evidence, valuation issues and gaps in the reasoning.
Explain your options
We set out the practical routes available, including formal complaints and escalation where appropriate.
Build a stronger challenge
We help organise the evidence and present a clear, reasoned case to the insurer.
Start My Free Claim Review
Free initial review. No obligation to proceed.
Specialist Insurance Dispute Support
Help With Rejected, Underpaid and Delayed Insurance Claims
Every dispute is different. We independently review the insurer’s decision, the policy wording and the evidence to identify where the decision may be challenged and what route is most likely to move the dispute forward.
Challenge a Rejected Claim
We examine the insurer’s reasons, the policy wording and the available evidence to assess whether the decision can be challenged and where the weaknesses in the insurer’s position may lie.
Review a Low Settlement Offer
We examine the valuation, repair costs, scope of loss and supporting evidence where the insurer’s settlement offer appears too low or leaves an unexplained shortfall.
Get a Delayed Claim Moving
We identify what may be preventing progress, what remains genuinely outstanding and how the insurer can be challenged to provide a clear decision or move the claim forward.
Respond to Non-Disclosure Allegations
We examine what was disclosed, how the insurer’s questions were asked, what information is said to have been omitted and whether the insurer’s response can be justified.
Challenge an Underinsurance Reduction
We examine the insurer’s valuation and calculation, the relevant policy terms and whether an underinsurance or average clause has been applied correctly and fairly.
Escalate a Disputed Claim
When an insurer will not change its position, we assess what may strengthen the case and the most appropriate route forward, including further challenge, negotiation, expert evidence, specialist barrister input or litigation support where appropriate.
Our initial review is designed to give you a clearer understanding of the insurer’s position, the issues that may be challenged and the realistic routes available to move the dispute forward. No particular outcome can be guaranteed.
Founder-Led Specialist Support
Insurers Have Experts Protecting Their Position. You Should Too.
Insurance policies, exclusions and settlement calculations can be difficult to challenge alone. We examine the insurer’s reasoning, the policy wording and the available evidence before explaining the realistic options that may be open to you.
Detailed Claim Review
We examine the policy wording, insurer correspondence, settlement calculations and supporting evidence.
Clear, Honest Assessment
We explain the strengths, weaknesses and realistic options before any further work is agreed.
Transparent Fees
If paid work is appropriate, the proposed scope and fee are explained before you decide whether to proceed.
Appropriate Escalation
Where suitable, we can assist with insurer challenges, formal complaints, Ombudsman submissions and litigation support.
Check My Claim
Free · Confidential · Usually under 2 minutes
Home & Motor Insurance Disputes
Has Your Home or Vehicle Insurance Claim Been Rejected or Underpaid?
We review disputed home and motor insurance claims, including the policy wording, the insurer’s reasons and the evidence supporting your loss. Select the issue closest to yours to see how we may be able to help.
Flood & Storm Damage Claims
Support where a home insurance claim has been rejected, delayed or reduced following flooding or severe weather.
View support optionsEscape of Water Claims
Review of disputes involving leaks, hidden pipe damage, trace-and-access costs and resulting damage.
View support optionsFire & Smoke Damage Claims
Help with rejected claims, disputed causation, valuation issues and inadequate settlement offers.
View support optionsTheft & Burglary Claims
Review of disputes concerning security conditions, proof of ownership, valuation or alleged non-disclosure.
View support optionsSubsidence & Ground Movement
Review of disputes involving causation, exclusions, monitoring delays, repair scope and settlement figures.
View support optionsStolen Vehicle Claims
Support where a vehicle theft claim has been rejected or delayed, including key, security and disclosure disputes.
View support optionsVehicle Write-Off & Low Valuation
Challenge a disputed write-off or low vehicle valuation where the proposed settlement appears inadequate.
View support optionsNot sure which claim type applies to your situation?
Start My Free Claim ReviewConfidential initial review. No obligation to proceed.
Commercial Insurance Disputes
Commercial Insurance Claim Rejected, Delayed or Underpaid?
A disputed commercial insurance claim can put immediate pressure on cash flow and operations. We review the policy wording, the insurer’s reasons, loss calculations and supporting evidence before explaining the practical options that may be available.
What We Examine
01
Policy wording, conditions and exclusions
02
The insurer’s decision and correspondence
03
Loss calculations and supporting evidence
Start a Free Commercial Claim Review
Confidential initial review. No obligation to proceed.
Business Interruption Disputes
Disputes concerning cover, causation, indemnity periods and calculations of lost revenue or gross profit.
View this claim typeProfessional Indemnity Disputes
Help where an insurer disputes notification, policy coverage, exclusions, defence costs or settlement authority.
View this claim typeEmployers’ Liability Disputes
Review of indemnity decisions, policy conditions and the handling of claims made against your business.
View this claim typeCommercial Property Disputes
Rejected or underpaid claims involving buildings, stock, contents, reinstatement costs and loss valuation.
View this claim typePlant, Machinery & Asset Disputes
Support with disputed breakdown, accidental damage, exclusions, repair costs, replacement values and loss of use.
View this claim typeAgricultural & Farm Insurance Disputes
Review of disputes involving farm property, machinery, livestock, business interruption and specialist policy terms.
View this claim typeA Simple Four-Step Process
How Our Free Insurance Claim Review Works
Tell us what happened and provide any documents you already have. We will review the available information and explain your position before you decide whether to take matters further.
Tell Us What Happened
Complete a short form and, if available, securely upload your policy, insurer correspondence and supporting documents.
We Review Your Claim
We examine the policy wording, available evidence, the insurer’s decision and any settlement calculations.
Understand Your Position
We explain the strengths, weaknesses and realistic options that may be available.
Decide What Happens Next
You choose whether to proceed. There is no obligation after your initial review.
Start My Free Claim Review
Confidential initial review. No obligation to proceed.
Before You Submit Your Claim
Is Your Insurance Dispute Ready for Review?
You do not need to have a perfectly prepared case. If an insurer has rejected, delayed or underpaid your claim, send us the information you currently have and we will explain what else may be needed.
A Review May Be Appropriate If:
- Your insurance claim has been rejected.
- The settlement offer appears too low.
- The insurer is repeatedly delaying its decision.
- An exclusion, non-disclosure or underinsurance clause has been relied upon.
- You need help preparing an insurer complaint or Financial Ombudsman Service submission.
Helpful Documents Include:
- Your insurance policy and schedule.
- The rejection letter or settlement offer.
- Correspondence with the insurer, claims handler or loss adjuster.
- Photographs, estimates, invoices or expert reports.
- Any settlement calculations already provided.
Do not have everything yet? Submit what you have—we can explain what may still be required.
Check Whether We Can Help
Confidential initial review. No obligation to proceed.
Across the Insurance Market
We Review Disputes Involving Insurers, Claims Handlers and Loss Adjusters
Your insurer may appoint a separate claims administrator or loss adjuster. We can review the decision and correspondence regardless of which organisation handled the claim.
Insurance Companies
Claims Handlers and Loss Adjusters
Logos are shown solely to identify organisations that may be involved in insurance disputes. They do not indicate endorsement, partnership or affiliation.
Can’t See the Organisation Involved?
We review disputes involving many other insurers, claims administrators and loss adjusters.
Insurance Claim Guidance
Practical Guides for Challenging an Insurance Decision
Clear guidance on rejected, underpaid and delayed insurance claims, insurer complaints and the routes available when a claim has gone wrong.
Rejected Claims
Insurance Claim Rejected? What to Do When an Insurer Refuses to Pay
The practical steps to take after an insurer rejects your claim, including what to request, what evidence to gather and how to challenge the decision.
Read the guide : Insurance Claim Rejected? What to Do When an Insurer Refuses to Pay
Underpaid Claims
Insurance Settlement Too Low? How to Challenge an Underpaid Claim
How to assess an insurer's valuation, strengthen your evidence and challenge an offer that does not reflect your loss.
Read the guide : Insurance Settlement Too Low? How to Challenge an Underpaid Claim
Delayed Claims
Insurance Claim Taking Too Long? How to Challenge Unreasonable Delay
What may be causing the delay, when to escalate the claim and how to make a clearer request for progress.
Read the guide : Insurance Claim Taking Too Long? How to Challenge Unreasonable DelayProfessional Referrals
Are You a Solicitor or Professional Adviser?
If your client is facing a rejected, underpaid or delayed insurance claim, we can provide focused support while maintaining clear communication with you throughout the matter.
We can work alongside your firm or accept a direct referral, depending on your client's needs and the most appropriate route forward.
Straightforward Referral Process
A clear and responsive route for introducing a client.
Specialist Claim Assessment
We examine the policy, insurer's position and supporting evidence.
Professional Client Care
Your client receives clear explanations and practical support.
Appropriate Updates
We keep you informed where authority and confidentiality permit.
Free Initial Claim Review
Not Sure Whether Your Insurer's Decision Is Fair?
Send us your policy, the insurer's decision and any supporting documents. We will review the information and explain the strongest available next steps clearly and without unnecessary jargon.
Start Your Free Claim Review- Free initial review
- Confidential document submission
- Clear explanation of possible next steps
Professional & Business Claims Defence
Facing a Claim Against You or Your Business?
If a professional negligence or liability claim has been made against you, we provide fixed-fee claims defence and litigation support , with access to specialist Direct Access barristers where appropriate.
Explore Claims Defence
- 30+ Years’ Litigation Experience
- Fixed Fees
- LIP Support
- Direct Access Barristers