Insurance
When an insurer rejects your claim or offers a settlement that doesn't cover your loss, you have the right to challenge. Since the Insurance Act 2015, the rules on non-disclosure are much fairer to policyholders.
The law that applies
Insurance Act 2015
Replaced the duty of utmost good faith with a duty of fair presentation. Non-disclosure must be deliberate or reckless to void a policy — honest mistakes no longer automatically void a claim.
Consumer Insurance (Disclosure and Representations) Act 2012
Protects consumers from having claims rejected for innocent misrepresentations.
The process — step by step
Formal challenge letter
Write to the insurer's complaints team addressing the specific grounds cited in their rejection. Fight My Corner tailors the letter to the insurer's stated reason.
8-week clock
Insurers have 8 weeks to resolve complaints. After this, escalate to the FOS.
Financial Ombudsman Service
Free, independent, binding on the insurer. The FOS handles thousands of insurance complaint cases each year.
Escalation path
Financial Ombudsman Service (FOS)
The FOS is free and binding on insurers. It examines whether the insurer's decision was fair and reasonable — not just technically correct under the policy wording.
Important warnings
Read the insurer's rejection letter carefully — your challenge must address their specific grounds, not just assert the claim is valid.
Non-disclosure claims by insurers must now meet a higher bar under the Insurance Act 2015 — the misrepresentation must be deliberate or reckless.
If you've been offered a settlement, accepting it usually ends the dispute. Get our letter first if you believe it's too low.
Tips & practical advice
Request the insurer's full claims file under a Subject Access Request (UK GDPR) — it often reveals useful information about how the decision was made.
What Fight My Corner covers for this dispute
What's included
- Formal challenge to a rejected insurance claim
- Low settlement disputes
- Non-disclosure / policy avoidance challenges
What's not included
- Court representation
- Disputes involving fraud allegations against you
Launching in 48 hours
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Legal disclaimer · Fight My Corner provides letter generation tools, not legal advice.