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Appealing an insurance company’s refusal to pay compensation

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Publication date: 21.08.2025
Reading time: 3 minutes
Number of views: 18
Stage Term (days) Cost
  • 1
    Initial review of the insurance company decision
    3 £246.00
    • Review of the insurance policy and contract terms

    • Identification of the grounds for the insurance company’s refusal

    • Assessment of the legality of the refusal under UK law

    • Development of an initial strategy for protecting the client’s interests

    • Consultation with the client regarding possible further steps
  • 2
    Preparation of a written appeal to the insurance company
    7 £492.00
    • Collection of additional evidence and supporting documents

    • Formulation of legal arguments with references to legislation and case law

    • Drafting an appeal letter requesting a review of the refusal

    • Submission of the appeal within the prescribed deadlines directly to the insurer

    • Monitoring the receipt and consideration of the appeal
  • 3
    Support of communication with the insurance company
    7 £369.00
    • Analysis of all responses from the insurer to the appeal

    • Preparation of written explanations to additional requests from the insurer

    • Participation in negotiations with insurance representatives

    • Development of new legal arguments if the insurer attempts to reject the claim again

    • Regular updates to the client on the progress of the review
  • 4
    Filing a complaint with the Financial Ombudsman
    30 £738.00
    • Preparation of an official complaint in accordance with the requirements of the Financial Ombudsman Service

    • Collection and organization of evidence for the ombudsman

    • Submission of the full package of documents for review

    • Communication with the ombudsman’s office and provision of clarifications

    • Support for the client until the ombudsman’s decision is received
  • 5
    Court appeal in case of a negative decision
    90 £2,460.00
    • Preparation of a statement of claim with clear legal demands

    • Development of a litigation strategy to represent the client’s interests

    • Representation in court hearings and preparation of evidence

    • Participation in negotiations for possible settlement before the court’s decision

    • Legal support during the enforcement of the court decision
In general
137 £4,305.00

Appealing an insurance company’s refusal to pay compensation

 

  • Establishing the reason for refusal and analyzing the terms of the insurance policy

  • Preparing a well-argued written appeal with references to legislation

  • Submitting the appeal to the insurance company within the established deadlines

  • Handling communication and responding to the insurer’s requests

  • If refused again — preparing a complaint to the Financial Ombudsman or arbitration

 

Legal representation in an insurance dispute

 

  • Assessing the scope of the dispute and determining the feasibility of court proceedings

  • Representing the client in negotiations with the insurer

  • Using alternative dispute resolution methods such as ADR and mediation

  • Preparing the case for court appeal if necessary

  • Providing full legal support in court and during enforcement of the decision

 

Assistance in case of denied insurance claim

 

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Consultation on the legality of the insurance company’s refusal

 

 

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Review of the insurance contract and grounds for denial

 

 

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Development of an individual appeal strategy

 

 

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Preparation and submission of a demand for reconsideration of the refusal

 

 

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Legal support when filing a complaint with the ombudsman or in court

 

 

Conclusion

The Consultant Legal Marketplace provides professional solutions in challenging denied insurance claims: preparation of appeals, legal representation, and assistance in the reconsideration of claims. This approach ensures clients’ interests are protected, while maintaining transparency and achieving high efficiency even in complex insurance disputes.

 

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