Insurance Dispute Solicitors in London, Birmingham and Northampton

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Sometimes insurers make it hard for policyholders to claim on their insurance, especially when the claim involves a substantial amount of money. Our teams in London, Birmingham and Northampton are experienced in resolving such conflicts via a range of alternative dispute resolution (ADR) methods, including negotiation, mediation, and arbitration, as well as in Court.

Our experts have over a century of combined experience to guide them, so you can rely on us to find the optimal solution in your case. We work quickly and efficiently, saving you time and money.

If you are struggling with an insurance dispute, get in touch with our insurance dispute solicitors in London, Birmingham and Northampton on 0300 303 2071 or ask us a question at info@witansolicitors.co.uk to learn what we can do to help. Your initial consultation is free of charge.

Our Approach

When you are a policyholder it’s only normal to expect your insurer to back you up when you suffer a financial loss. Suddenly finding yourself involved in an insurance dispute makes a difficult situation even more taxing. At Witan Solicitors, we approach every case with understanding to provide support and security when you need it most. Our role is to be your guide in a complex legal situation and help you achieve a favourable solution in the best possible way. 

When you work with us, we make sure that you don’t feel lost in legal jargon. We explain the situation and the available options clearly and in a language that you can understand to ensure that you feel confident in making informed decisions.

Insurance Disputes We Can Help With

Our team of insurance dispute solicitors regularly advises individual policyholders in insurance disputes regarding matters such as: 

Rejection, Repudiation or Voiding a Claim

We can help you battle rejection, repudiation or voiding of a claim by the insurer on the grounds of:

• Insurance policy breach
• Failure to properly notify the insurance
• Exclusion clauses
• Misrepresentation or failure to disclose information

When your insurance claim has been rejected, we can investigate the reasons for the rejection, examine your documents in detail and offer advice on what to do next. Our insurance dispute solicitors have an excellent track record of securing out-of-court settlements using successful negotiation techniques. 

We also handle cases where complaints have to be made to the Financial Services Ombudsman. Unless exceptional circumstances warrant a delay, claims to the Financial Services Ombudsman have to be filed no longer than 6 months after you have received the final response from your insurer.

 “Reservation of Rights” Disputes

In policies that prevent the insurers from rejecting a claim, you could face a dispute pertaining to the “Reservation of Rights” clause which allows the insurer to claim back their outlay after the fact. If that happens it’s important to seek legal advice to avoid finding yourself liable for repayments. 

Retrospective Increase of a Premium 

Insurance disputes may also arise if the insurer attempts to implement a retrospective increase of the agreed premium on the basis that there has been misrepresentation or failure to disclose on the part of the policyholder. Such conflicts commonly arise in relation to indemnity insurance where the losses for the insurer can be quite significant. 

Insurance Dispute Resolution Cost

At Witan Solicitors, we offer transparent, affordable pricing plans. We offer fixed-fee starting services, as well as competitive hourly rates for any follow-on work. As the cost involved in your case will vary depending on the details of your situation and the actions we need to take, we can offer a more detailed estimate once we have learnt more about your case in our free initial consultation. 

Why Choose Witan Solicitors?

• 100+ Years of Combined Experience: Our team has more than a century of experience in resolving insurance disputes
• Established in 2014: Witan Solicitors is a trusted law firm with a decade of successful cases on our track record
• Legal 500 Recognised: Our Solicitors have been recognised in the Legal 500
• Industry Experts: We never stop learning so you can benefit from the best legal support
• Multilingual Support: Our team is fluent in more than 10 languages offering legal advice in a language that you feel most comfortable with
• Insurance specialists near you: Our legal offices are based in three main locations in the UK – Birmingham, London and Northampton

Find out if Witan Solicitors are the right choice for you by speaking to our team today. We offer an initial consultation free of charge to all our clients. This gives you the opportunity to discuss your cases with us, see how we can help and decide if you would like us to represent you without any obligation. Talk to our team on 0300 303 2071 to schedule your initial consultation.

FAQ

What are the valid reasons for rejecting an insurance claim?

In certain situations, insurers have the right to reject your claim. Some of the valid reasons for rejecting an insurance claim include:

• Misrepresentation on the application form
• Things not declared on the policy
• Withheld information (i.e. medical conditions)
• Non-payment of insurance premiums
• Expired insurance policy
• A significant change in circumstances
• Undeclared high-risk factors
• Missing documentation
• Procedural mistakes
• Details missing in the Terms and Conditions 

My insurance rejected my claim. What documents do I need to dispute their decision?

To start legal proceedings to dispute your insurer’s decision to reject your claim, you have to present your insurance dispute solicitors with a certain amount of documentation, including:

• The official rejection letter from the insurer
• Your insurance policy (including the T&Cs) 
• Copy of the ‘statement of fact’ you declared when your policy was taken out
• Any specific details, unique to your policy (i.e. high-value items listed on the policy)