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
After a final response or the applicable complaint period, check whether the insurer and complaint are eligible for the Financial Ombudsman Service.
Potential Financial Ombudsman Service route
This route depends on the insurer, the complaint, and the relevant eligibility conditions. Confirm these directly with the official service before referring a case.
Possible next steps
Check Financial Ombudsman Service eligibility
The Financial Ombudsman Service may be available for an eligible complaint about an eligible insurer after the appropriate internal complaint stage. Confirm current eligibility directly with the official service.
This is general guidance only. Whether an external scheme applies depends on the company, its membership, the complaint stage, and verified case facts. Fight My Corner does not currently start an external route.
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
Start your fact-checking intake
Tell us what happened with insurance. We'll save the facts you confirm and check the company classification. No letter is generated at this stage.
Legal disclaimer · Fight My Corner provides dispute guidance, not legal advice.