Insurer or underwriter
The policy should identify the company that accepted the insured risk and is responsible for the cover provided.
Other Insurance Companies
Insurance Claim Dispute With Another Insurer?
Your insurer does not need a dedicated page on our website for us to assess a rejected, underpaid, delayed or otherwise disputed insurance claim.
Start My Free Claim Review
Not limited to named insurers
The company does not need a dedicated page
Personal and commercial claims
The policy, decision and available evidence are assessed
Escalation where appropriate
Complaint, Ombudsman, negotiation or litigation routes considered
The Policy Comes First
The strength of the dispute depends on the wording and evidence—not the insurer’s size
A smaller insurer, specialist underwriter or less familiar brand can still make a decision that needs careful scrutiny. The essential questions remain the same: what cover was purchased, why has the claim been disputed and what evidence supports a different interpretation or calculation?
The trading name on correspondence may not always identify the contracting insurer. A broker, managing general agent, loss adjuster or third-party administrator may also have communicated with you. We begin by establishing the parties and their roles.
We then test the stated reason against the policy, chronology, technical evidence and value of the loss before explaining the strongest proportionate route available.
Search the Wider Directory
Find an insurer or claims organisation
This directory is illustrative rather than exhaustive. Claims organisations are shown separately because they may administer a claim without being the insurer.
- AgeasPersonal insurance
- AIGCommercial & specialist
- AllianzCommercial & specialist
- Arch InsuranceCommercial & specialist
- Charles TaylorClaims services
- ChubbCommercial & specialist
- ChurchillPersonal insurance
- Co-op InsurancePersonal insurance
- CrawfordClaims services
- DaviesClaims services
- EcclesiasticalCommercial & specialist
- esurePersonal insurance
- Hastings DirectPersonal insurance
- HDI GlobalCommercial & specialist
- HiscoxCommercial & specialist
- HomeprotectPersonal insurance
- John Lewis FinancePersonal insurance
- Liberty Specialty MarketsCommercial & specialist
- LV=Personal insurance
- MarkelCommercial & specialist
- McLarensClaims services
- MS AmlinCommercial & specialist
- NFU MutualPersonal insurance
- Policy ExpertPersonal insurance
- QBECommercial & specialist
- QuestGatesClaims services
- RAC InsurancePersonal insurance
- RSACommercial & specialist
- SagaPersonal insurance
- SedgwickClaims services
- Tesco Bank InsurancePersonal insurance
- The AAPersonal insurance
- Tokio Marine HCCCommercial & specialist
- Trinity ClaimsClaims services
- TravelersCommercial & specialist
- UinsurePersonal insurance
- Urban JunglePersonal insurance
- Woodgate & ClarkClaims services
No matching company appears in the directory. That does not mean we cannot review the dispute.
Company not shown? The list is not exhaustive, and the company name alone does not determine whether we can assist. Your policy documents should identify the contracting insurer.
Common Areas of Disagreement
Insurance claim problems we can examine
The correct response depends on the reason given, the policy wording and the evidence available in the individual claim.
01
Claim rejected
The insurer says the event is not covered, a condition was not met or the available evidence does not establish the loss.
Explore rejected claims 02Settlement offered too low
The offer may not reflect the repair scope, replacement cost, insured value, business loss or other supporting evidence.
Explore low settlements 03Policy exclusion applied
The dispute may turn on the wording, scope, relevance and application of an exclusion to the actual circumstances.
Explore policy exclusions 04Underinsurance reduction
The insurer alleges that the declared value or sum insured was inadequate and reduces the settlement accordingly.
Explore underinsurance 05Claim delayed or stalled
Further information is repeatedly requested, investigations continue without clarity or no final decision is being made.
Explore delayed claims 06Non-disclosure or fraud allegation
The claim or policy is challenged because of an alleged misrepresentation, non-disclosure, inconsistency or dishonest conduct.
Explore disclosure disputesUnderstand the Parties
Who may be involved in the claim decision?
Several organisations can be involved, but their roles and legal responsibilities are not interchangeable.
Broker or intermediary
A broker may have arranged the policy, advised on cover, provided information or communicated during the claim.
Loss adjuster or expert
An adjuster, surveyor, engineer, investigator or forensic accountant may inspect, report or quantify the loss.
Claims administrator
A third-party administrator or managing agent may handle correspondence and decisions on another company’s behalf.
A Structured Assessment
Three questions help identify the strongest route
A persuasive challenge connects the correct party, the policy wording and the evidence.
Question 01
Who is responsible for the decision?
Identify the contracting insurer and distinguish its role from the broker, adjuster, expert or administrator.
Question 02
What wording and evidence matter?
Test the precise reason, policy terms, chronology, reports, valuations and loss calculation.
Question 03
Which route is proportionate?
Consider focused representations, a complaint, negotiation, the Ombudsman or litigation where appropriate.
If the Dispute Continues
Complaint, Ombudsman and litigation options
The appropriate route depends on the parties, eligibility, value, complexity, urgency and available evidence.
Formal complaint and Financial Ombudsman
The complaint should normally be directed to the regulated business responsible for the disputed decision. Where the complainant is eligible, the Financial Ombudsman Service may become available after a final response or eight weeks without one.
Not every business is eligible, and separate referral time limits can apply.
Explore Financial Ombudsman guidanceNegotiation, litigation and barrister support
Some disputes require focused negotiation or a formal legal route, particularly where the value, complexity or evidence makes court proceedings a realistic consideration.
Where appropriate, we can support preparation and progression of the case and coordinate access to a specialist barrister for advice or representation.
Independent service: Insurance Dispute Service is independent of the organisations named on this page and is not affiliated with or endorsed by them. The names are used only to help identify organisations that may be involved in insurance claims. Inclusion does not imply wrongdoing, and every dispute is assessed on its own policy, facts and evidence.
Frequently Asked Questions
Other insurer dispute questions
Useful starting points when the company involved does not have a dedicated page.
Can you help if my insurer is not listed?
Potentially. The directory is illustrative rather than exhaustive. The merits depend on the policy, reason for the decision, facts and evidence—not simply whether the insurer appears on this website.
Can you review a claim involving a specialist or Lloyd’s policy?
Potentially. The policy schedule and wording must first be checked to identify the contracting insurer, subscribing underwriters and any managing agent. Specialist policies can also contain particular notification, jurisdiction or dispute provisions.
What if a loss adjuster communicated the decision?
A loss adjuster may investigate, report or communicate on the insurer’s behalf, but the insurer and policy must still be identified. The adjuster’s report can be tested against other technical and valuation evidence.
What if I bought the policy through a broker?
The insurer may remain responsible for the claim decision, while separate questions may arise about information or advice provided by the broker. The documents and chronology help distinguish those issues.
Must I complain before approaching the Financial Ombudsman?
The Financial Ombudsman generally expects the relevant financial business to have an opportunity to resolve the complaint first. Depending on eligibility, referral may usually be possible after a final response or eight weeks without one. Separate time limits apply.
What should I send for the initial review?
Useful documents include the policy schedule and wording, decision or settlement letter, reports, valuations, quotations, photographs, calculations and important correspondence. You can begin with what is currently available.