Insurance Claim Decision Checker

Your insurer has assessed your claim. Now assess their decision.

If your insurance claim has been rejected, underpaid, partly refused or delayed, use the IDS Decision Decoder to identify what the insurer is relying on, what deserves closer examination and what documents may matter next.

Check My Insurer's Decision

Takes around 60 seconds · Free initial check · Confidential · No obligation

Check the decision before you accept it.

Answer a few questions and receive a preliminary issue map showing the areas of the insurer's decision that may deserve closer examination.

Step 1 of 6 What happened?

Step 1

What has happened to your insurance claim?

Choose the option that best describes the insurer's current position.

Please choose the option that best describes what has happened.

Step 2

What type of insurance claim is this?

This helps us frame the issues more accurately.

Please choose the type of insurance claim.

Step 3

Tell us about the claim.

Approximate figures are fine. Leave the claim reference blank if you do not have it to hand.

Insurer *

Approximate claim value *

Claim reference

Where is the dispute now? *

Please enter the insurer, approximate claim value and current stage.

Step 4

What reason has the insurer given?

Choose the closest match. If the wording is unclear, choose “I don't know / other”.

Do you have the insurer's decision in writing? *

Anything important we should know?

Please choose the reason and tell us whether you have the insurer's decision in writing.

Step 5

Upload the documents that matter most.

Optional for the preliminary issue map, but uploading the insurer's actual decision makes the IDS review much more useful. PDF, Word, JPG, PNG or WEBP. Maximum 10MB per file.

Insurer's decision

Rejection letter, settlement offer, final response or latest written decision.

No file selected

Policy / schedule

The relevant policy wording, schedule or certificate if available.

No file selected

Supporting report

Surveyor, engineer, loss adjuster, estimate, scope of works or other key evidence.

No file selected

Final step

Where should we send your review details?

Enter your details to see your preliminary issue map and send the claim information to Insurance Dispute Service.

Full name *

Email address *

Telephone number *

Please complete your name, email address, telephone number and consent.

Your details and any uploaded documents are submitted with your IDS enquiry.

Preparing your issue map…

We're organising your answers and securely submitting your enquiry to IDS.

Enquiry received by IDS

Your preliminary claim issue map

Your insurer's decision deserves closer examination.

What deserves closer examination

What IDS would want to review

What happens next

Your enquiry is now with Insurance Dispute Service.

Where you have uploaded documents, they have been submitted with the information above so they can form part of the initial review of your dispute.

You do not need to submit the same information again.

Call IDS: 01743 294071 Visit the Dispute Hub

This preliminary issue map is not a determination of coverage, liability, claim value or legal merits. Relevant complaint or legal time limits may apply.

No arbitrary claim score

Insurance disputes are fact-specific. The checker identifies issues that may deserve examination rather than assigning a simplistic numerical score.

Your actual documents matter

Uploading the insurer's letter allows IDS to see what the insurer is actually relying upon rather than working from a generic description.

Assess first. Choose the route second.

The checker does not automatically push a dispute towards one route. The policy, evidence and insurer's reasoning should be understood first.

Insurance Dispute Service