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Insurance Dispute Service

Insurance Dispute Service

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  • Claim Disagreements
    • Rejected Insurance Claims
    • Underpaid & Low Offers
    • Delayed & Stalled Claims
    • Non-Disclosure Allegations
    • Unfair Policy Exclusions
    • Underinsurance Disputes
    • Fraud Accusations
    • The "Wear and Tear" Loophole
  • Claim Types
    • Flood and Storm Damage Claims
    • Escape of Water (Leaks)
    • Fire & Smoke Damage
    • Theft & Burglary Claims
    • Stolen Vehicle & Car Theft
    • Subsidence & Ground Movement
    • Other Claim Types
  • Business claims
    • Business Interruption Disputes
    • Professional Indemnity Disputes
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    • Plant, Machinery & Asset Disputes
    • Commercial Property Disputes
    • Agricultural & Farm Insurance Disputes
  • Insurers We Challenge
    • Aviva Claim Rejections
    • AXA Claim Rejections
    • Admiral Claim Rejections
    • Direct Line Claim Rejections
    • Zurich Claim Rejections
    • Other companies
  • Financial Ombudsman (FOS)
    • Before You Submit to FOS
    • Challenging a FOS Decision
    • Insurance Outcomes Monitor
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  • Dispute Hub

Insurance Claim Dispute Guides and Resources

Insurance Claim Dispute Guides & Resources | IDS

Posted 29th September 2026

Posted 8 hours ago

By Gary Smith - Insurance Expert

Dispute Hub

Trace and Access Claim Refused? Why Insurers Reject Leak Detection Costs — and What to Do Next

Read More
Insurance Claim Dispute Guides & Resources | IDS

Posted 29th September 2026

Posted 10 hours ago

By Gary Smith - Insurance Expert

Dispute Hub

How to Calculate a Business Interruption Insurance Claim

Read More
Insurance Claim Dispute Guides & Resources | IDS

Posted 28th September 2026

Posted 2 days ago

By Gary Smith - Insurance Expert

Dispute Hub

Legal Expenses Insurer Says Your Case Has Less Than 51% Chance of Winning — Is That the End of It?

Read More
Insurance Claim Dispute Guides & Resources | IDS

Posted 27th September 2026

Posted 2 days ago

By Gary Smith - Insurance Expert

Dispute Hub

A Professional Negligence Claim Has Been Made Against Your Business. Will Your Insurer Actually Protect You?

Read More
Insurance Claim Dispute Guides & Resources | IDS

Posted 27th September 2026

Posted 2 days ago

By Gary Smith - Insurance Expert

Dispute Hub

Insurance Won’t Replace My Matching Kitchen, Bathroom or Flooring — What Can I Do?

Read More
Insurance Claim Dispute Guides & Resources | IDS

Posted 27th September 2026

Posted 2 days ago

By Gary Smith - Insurance Expert

Dispute Hub

Pet Insurance Claim Rejected? When a Pre-Existing Condition May Not Be the End of the Matter

Read More
Insurance Claim Dispute Guides & Resources | IDS

Posted 27th September 2026

Posted 2 days ago

By Gary Smith - Insurance Expert

Dispute Hub

Business Insurance Claims for Small Businesses: Rejected, Underpaid or Delayed?

Read More
Insurance Claim Dispute Guides & Resources | IDS

Posted 27th September 2026

Posted 3 days ago

By Gary Smith - Insurance Expert

Dispute Hub

Fair Outcomes for Insurance Policyholders: What Should You Really Expect From Your Insurer?

Read More
Insurance Claim Dispute Guides & Resources | IDS

Posted 25th September 2026

Posted 4 days ago

By Gary Smith - Insurance Expert

Dispute Hub

Subsidence Claim Still Being Monitored? What to Ask Your Insurer

Read More
Insurance Claim Dispute Guides & Resources | IDS

Posted 25th September 2026

Posted 5 days ago

By Gary Smith - Insurance Expert

Dispute Hub

‘Broken’ Insurance Industry: What the Super-Complaint Means for Your Claim in 2026

Read More
Insurance Claim Dispute Guides & Resources | IDS

Posted 24th September 2026

Posted 5 days ago

By Gary Smith - Insurance Expert

Dispute Hub

The Average Clause Has Cut Your Business Insurance Claim — Is the Reduction Correct?

Read More
Insurance Claim Dispute Guides & Resources | IDS

Posted 24th September 2026

Posted 5 days ago

By Gary Smith - Insurance Expert

Dispute Hub

Storm Damage Insurance Claim Rejected? Why Insurers Refuse Roof and Weather Damage Claims — and What You Can Do Next

Read More
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Your claim outcome

  • 01 Claim rejected The insurer has refused all or part of your claim. →
  • 02 Settlement too low The offer does not appear to reflect the insured loss. →
  • 03 Claim delayed or stalled Progress has slowed, stopped or remains unresolved. →
  • 04 Underinsurance reduction The insurer has reduced the claim using underinsurance or average. →

The insurer's reason

  • 05 Non-disclosure alleged The insurer says important information was not disclosed. →
  • 06 Policy exclusion applied An exclusion is being relied upon to refuse or restrict cover. →
  • 07 Fraud allegation The insurer alleges dishonesty, exaggeration or a fraudulent claim. →
  • 08 Wear & tear The insurer says deterioration rather than an insured event caused the damage. →
Claim decision review

Received a rejection, reduction or allegation from your insurer?

Send us the decision and policy. We can identify the central dispute and explain the realistic routes available.

Start Free Claim Review→
Free initial review · Confidential · No obligation
View all Claim DisagreementsSee every dispute route and common insurer argument. → Not sure which issue applies?Send us the insurer's latest decision and we can identify the central dispute. →

Property damage

  • 01 Flood & storm damage Severe weather, roof damage, flooding, causation and repair scope. →
  • 02 Escape of water & leaks Burst pipes, hidden leaks, trace-and-access, drying and reinstatement. →
  • 03 Fire & smoke damage Fire cause, smoke contamination, rebuilding and settlement disputes. →
  • 04 Subsidence & ground movement Cracking, foundations, trees, monitoring, causation and repair proposals. →

Theft, vehicle & other

  • 05 Theft & burglary Entry evidence, security conditions, ownership and valuation disputes. →
  • 06 Stolen vehicle & car theft Keys, security, theft circumstances and disputed vehicle value. →
  • 07 Other claim types Personal and specialist claims outside the main property and vehicle categories. →
Find your claim route

Not sure which type of insurance claim applies?

Tell us what happened and what the insurer has said. We can identify the claim type and the dispute route that needs examining.

Start Free Claim Review→
Free initial review · Confidential · No obligation
View all Claim TypesBrowse the main insured events, damage types and specialist categories. → Know what happened, but not what went wrong?The claim type identifies the event. The dispute identifies the insurer problem. →

Property & financial loss

  • 01 Business interruption Cover, causation, indemnity periods, trends and loss calculations. →
  • 02 Commercial property Premises, stock, contents, reinstatement costs and valuation. →
  • 03 Plant, machinery & assets Breakdown, accidental damage, repair, replacement and loss of use. →

Liability & specialist cover

  • 04 Professional indemnity Notification, coverage, defence costs, exclusions and indemnity. →
  • 05 Employers' liability Historic cover, employee claims, notification, defence and indemnity. →
  • 06 Agricultural & farm Farm property, machinery, livestock, interruption and specialist terms. →
Commercial claim review

Is a disputed insurance claim putting pressure on your business?

We can examine the policy, insurer's reasoning, evidence and financial loss, then explain the strongest realistic route forward.

Review My Business Claim→
Free initial review · Business & commercial claims
View all Business ClaimsExplore the complete commercial insurance dispute service. → Has a claim been made against your business?Explore the separate Claims Defence route where liability is coming towards you. →

Insurance companies

  • 01 Aviva Rejected, delayed, underpaid and disputed Aviva insurance claims. →
  • 02 AXA Property, motor, business and wider AXA claim disputes. →
  • 03 Hiscox Specialist, business and professional insurance claim disputes. →
  • 04 Zurich Commercial, property, liability and specialist Zurich disputes. →

Claims handlers & PI insurers

  • 05 Sedgwick Loss adjusting, claims management, reports and settlement positions. →
  • 06 Crawford Technical reports, causation, valuation and complex loss disputes. →
  • 07 Travelers Professional indemnity notification, coverage, defence and indemnity. →
  • 08 Beazley Professional liability, pre-claim, defence and complex coverage issues. →
Who is involved in your claim?

Has an unfamiliar insurer, adjuster or claims company appeared?

See who they are, why they are involved and which part of the decision, report or coverage position may need reviewing.

Search All Companies→
Insurers · Claims handlers · PI insurers · Recovery firms
View the full company directorySearch insurers, claims handlers, PI insurers, recovery firms and brands. → Company not shown?Your insurer or claims organisation does not need a dedicated page for us to review the dispute. →

Before you submit

  • 01 Financial Ombudsman overview Understand the complaint route, eligibility and where FOS may fit. →
  • 02 Before you submit to FOS Build the chronology, evidence, disputed issues and requested outcome first. →
  • 03 Resolve an insurance dispute Understand the insurer's decision, alternatives to FOS and which route may be strongest. →

Existing complaint & intelligence

  • 04 Challenging a FOS decision Review an existing or unsuccessful complaint and consider the available routes. →
  • 05 FOS Insurance Outcomes Monitor See current FOS outcome data, identify your stage and review what may remain. →
  • 06 Insurance Claims Intelligence Explore FOS outcomes, FCA claims data, insurer intelligence and current dispute trends. →
  • 07 Revisit the underlying insurer dispute Return to the policy, insurer reasoning and evidence that created the complaint. →
Insurance Claims Intelligence

See what the latest claims data says — then identify where your own dispute stands.

Explore FOS outcomes, FCA claims data and insurer intelligence, then use the claim-stage review to understand the support, legal advice and litigation routes that may be available.

Explore Claims Intelligence→
FOS data · FCA data · IDS claims intelligence
FOS Insurance Outcomes MonitorSee published FOS outcome data and understand what may remain after an unsuccessful complaint. → Insurance Claims IntelligenceExplore claims data, insurer intelligence and the stage-by-stage IDS support route. →

About Insurance Dispute Service

  • 01 About IDS Our purpose, founder-led approach, regulatory position and standards. →
  • 02 How we help How we assess a dispute, test the evidence and explain the available routes. →
  • 03 Publications Specialist IDS publications covering difficult, rejected, underpaid and disputed insurance claims. →
  • 04 Insurance dispute resolution Our broader approach to resolving an insurer disagreement strategically. →

Legal & professional support

  • 05 Barristers & litigation Direct access, litigation support and specialist legal escalation where appropriate. →
  • 06 Professional referrals Support for solicitors, advisers and professionals referring a client matter. →
  • 07 Contact our team Speak to Insurance Dispute Service in Shrewsbury about a claim or enquiry. →
Founder-led specialist support

Want to understand whether IDS is the right fit for your dispute?

Start with a confidential initial review. We will assess the information and explain whether we may be able to assist.

Start Free Claim Review→
FCA regulated claims-management activities · Shrewsbury
Explore IDS PublicationsRead our practical guides to difficult insurance claims and disputes. → Speak to our teamCall, email or send a confidential message about your insurance dispute. →

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