How to Resolve an Insurance Dispute: A Step-by-Step UK Guide

Resolving an insurance dispute can be a slow and uncertain process, particularly where there is disagreement over policy wording, evidence, or how a decision has been reached.

This guide explains, in general terms, how insurance disputes are typically addressed in the UK.

Step 1: Understand the Nature of the Dispute

Identify whether the dispute relates to policy interpretation, evidence, valuation, delay, or process. Understanding the issue clearly is essential before taking further steps.

Step 2: Review the Insurer’s Position

Carefully review the insurer’s correspondence and decision letters to understand the reasoning being relied upon.

Step 3: Check the Policy Wording

Compare the insurer’s position with the relevant policy terms, exclusions, and conditions.

Step 4: Use the Complaints Process

Most disputes require the insurer’s internal complaints process to be followed before any external escalation.

Important Note

This guide provides general information only. It does not provide regulated insurance advice, does not resolve disputes, and does not act on behalf of policyholders.

Getting Further Guidance

If you are unsure how to interpret the insurer’s position or what options may be available, Claim Guardians provides information and guidance to help you understand your situation.