insurance
Insurance Claim Unfairly Denied
Your insurer has denied a claim that you believe should be covered under your policy.
Suggested Complaint Framing
Title: Dispute — insurance claim unfairly denied
Description: My insurance claim has been denied. I believe the claim is valid and falls within the terms of my policy.
Desired outcome: Claim to be approved and paid in full, written explanation of the original decision, compensation for delay.
Priority: high
Relevant UK legislation
- Insurance Act 2015
- FCA Consumer Duty
- ICOBS
Tips
- Request the exact policy clause used to deny the claim
- Keep all insurer correspondence
- Escalate to the Financial Ombudsman if unresolved
Common with these organisations
Aviva, Direct Line, Admiral, AXA, LV=
Step-by-step
- Create your case with this template pre-filled.
- Log every interaction and promise from the organisation.
- Send a formal complaint letter and track deadlines.
- Escalate to the relevant ombudsman if unresolved.