You always have a right to claim on your insurance, and a right to complain if your insurance claim is rejected. If you need to make a claim on your insurance it is important to first check that your policy actually covers the damage or loss.


If you need to make a claim on your insurance you must first check that your policy covers the damage or loss.

You must also check how much your excess is, and then compare this amount against the cost of a replacement or repair as every claim you make makes your premium more expensive.

So bear in mind that it may be better for you to replace the loss or damage yourself instead of making a claim if the value of the claim would only be a little more than your excess.

If you still want to make a claim, you must contact your insurer and tell them you want to make a claim, they will then provide you with a claim form either by post or online. Fill this in as soon as you can and as honestly as you can.

If you bought your policy through a broker, phone them first. They will often offer advice and support to help you in your claim.

More information about making a claim can be found at the following lin:


If your claim is rejected you have a right to complain – for useful tips on how to complain – follow this link

Template letters (auto downloads requiring MS Word) are available from Moneyhelper:

  • Letter to cancel an insurance policy
  • Letter to reclaim mis-sold PPI
  • Letter of complaint about an insurance company's service
  • Letter of complaint, arguing against an insurance company's rejection of a claim

If you are not happy with the response to your complaint you can take the matter up with The Financial Ombudsman.

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