What happens when the unexpected happens?

Insurance policies are often forgotten about, until that is the unexpected comes along and you make a claim. You then expect your insurance company to honour the policy you’ve been paying for, but unfortunately that’s not always the case. In fact, sometimes it feels they’ll do anything to avoid paying your claim. A major problem is that policy insurance provisions are often open to interpretation, and that’s why you need an expert in insurance law on your side.

Adding insult to injury

When you’ve suffered a substantial loss, the last thing you want is someone dragging everything out and then denying your claim or cancelling your policy. That’s simply adding to your stress and it’s adding insult to your injury. If you think this is happening to you, and you require assistance, get in touch.

It costs nothing to make an initial enquiry

In suitable cases, our recommended law firm may carry out an initial review and act on a no win, no fee basis, without requiring any payment upfront.Some matters, particularly those requiring a detailed review of documents, expert evidence or complex legal issues, such work may need to be considered on a fee paying basis to review those papers but the law firm will always explain any proposed charges clearly and obtain your agreement before carrying out such work. Even where it is concluded that no further action should be taken, an independent legal assessment can provide useful clarity and reassurance. In many cases, however, there may be practical steps available to improve the position.

“A solicitor has already said I have no case.”

In many of the cases referred, the policyholder has already received an opinion from a solicitor, or barrister that the claim cannot be pursued. We’ve plenty of examples where such cases have had a dramatic turn around and it’s produced an immensely important result for the individual concerned.

“The Ombudsman has decided against me.”

You may have already complained to the insurer and the complaint may not have been upheld by the Ombudsman. But you have to understand, you’re at a disadvantage in this process as the insurer has a host of investigators, experts, and solicitors that can support their position. The Ombudsman service tries to be fair to both sides, but our panel solicitors have seen many cases where they’ve simply got it wrong. Those cases have proceeded to court where claims have been successful. If you’ve such a case, it’s important to get assistance in preparing your complaint and consider your options if the Ombudsman doesn’t assist.

With a ‘no win, no fee’ guarantee, you can’t lose!

A ‘no win, no fee’ agreement can make all the difference between having the financial resource to successfully challenge an insurance company, or having to accept their decision to dispute or reject your claim, even if you disagree with it. All Disputed Claims’ solicitors are able to offer a ‘no win, no fee’ agreement to assist you with the funding of pursuing your claim.