To prepare for any eventuality, individuals may decide to take out insurance and protect themselves against risk. Insurance provides a guarantee of compensation should you suffer any loss or damage.
However, sometimes insurers may reject your claims, or offer compensation that doesn’t effectively cover the damages set out in your claim. If you find yourself in this situation, don’t worry we’re here to help. Working nationwide, our specialist insurance dispute barristers can advise you on practical solutions to help resolve your dispute quickly and efficiently.
We make direct access work for you by offering additional paralegal support services, to help manage all the administrative aspects of your insurance dispute case on your behalf. Our panel of paralegals will take care of filing, document management and other litigation support functions to ensure you get what you’re entitled to.
Insurance law is a highly complex and technical area. Our panel of insurance dispute barristers and paralegals have the market knowledge and industry expertise to act for both private and business dispute insurance claims, so you receive the best possible outcome and compensation you need.
Private insurance claims disputes can involve issues with residential property, travel, motors, life insurance and critical illness. Business insurance claims disputes, are typically between insurers and sole traders, limited companies, limited liability partnerships or public companies. Issues with the insurer can arise when dealing with professional liability, workers compensation, product liability and business interruption insurance.
We understand that paying an insurance dispute barrister substantial amounts upfront to cover your legal costs can be difficult, which is why we offer cost-effective payment plans on a wide range of insurance disputes to help you move forward.
If you have reason to believe your insurance company have not met their contractual obligations, contact a member of our legal team today for tactical advice on Alternative Dispute Resolution (ADR), litigation and affordable payment solutions on 0800 888 6760.
If you have already appointed an insurance dispute barrister to your case, we can still offer you legal advice and payment plan solutions. We will make all the necessary arrangements on your behalf. Start your payment plan now.
Our legal experts handle insurance policy disputes when there is a technical issue over rejection and coverage, including:
• An alleged breach of warranty;
• Disputes in policy interpretation and reliance on exclusion clauses;
• Allegations of misrepresentation and non-disclosure;
• Potential insurance fraud; and
• Disputes over the correct amount of compensation.
Insurers may have the right to reject your initial insurance claim on the grounds of:
• Terms and Conditions: You may not have met conditions outlined in your policy.
• Policy exclusions: Insurance policies contain a list of exclusions outlining specific situations, circumstances or events your insurer will not cover you for when you make a claim.
• Cancellation of your policy: If your insurance policy has not been renewed, or you have not paid the premium service, you will not be able to make a claim if your insurance has expired.
• Non-disclosure: Consumers must ensure to ‘take reasonable care not to make a misrepresentation’. Failure to disclose all relevant facts of your own knowledge to your case may mean you can’t make a claim.
• Failing to maintain your property. Your residential or commercial property claim may be rejected or affected because you have not taken adequate care of your property to effectively reduce the risk of damage.
If you do not fall under these categories and are disappointed with the result of your claim, we advise that before you take legal action, you should aim to resolve the dispute through informal negotiation with your insurer. Every insurance company is required to have their own internal dispute resolution system, and are also required to be a member of an external dispute resolution scheme.
When the dispute can’t be resolved through informal negotiation, you should consider asking for independent assessment. A loss assessor can evaluate projected or incurred losses, for example, in property cases, assess the repair, structural damage and remediation costs and profit losses. In business liability cases, loss assessors can estimate the cost of investigations, penalties’ and even reputational damage.
Our insurance dispute barristers, can work with loss assessors on your behalf throughout the insurance claim dispute process. We start, by helping you draft a formal complaint letter to the insurer. Typically, your insurer has 45 days to respond to your complaint.
If the issue still goes unresolved, we can provide you with can offer ADR and mediation in order to end the dispute, quickly and amicably. However, if all other means have been exhausted, our direct access barristers can give you the best representation in court, so you can get the financial compensation you deserve.
Our panel of paralegals are also on standby to investigate and collect necessary documentation to give you the best chance of successful outcome. We provide all-inclusive paralegal assistance so you can enjoy significant savings by eliminating the costs of solicitors. Get in touch with our legal team today for direct access to barristers, paralegal support and cost-effective payment solutions on 0800 888 6760.
If your insurer fails to renew your insurance or an item on the insurance schedule, you may also have a case for professional negligence.
However, you should be aware that insurance companies can often have the upper hand in legal proceedings, as most have an experienced in-house legal team. So, before you consider taking legal action, it is important to seek advice from a barrister with a successful track record in insurance disputes, who specialises not only in litigation, but also in ADR, and arbitration.
Vehicle owners are required by law to take out car insurance to cover liability for personal injury or damage. Homeowners need to take household and contents insurance to protect their valuable assets from burglaries or fire damage. While employer’s may take out professional liability insurance to secure their business assets from any future claims made by employees or shareholders. Everyone will take out insurance policies at some point in their lives to protect themselves, and their interests. This in turn, has ultimately led to a rise in disputes between claimants and insurers.
Some may find themselves, having to pay for losses and damages that they felt should have been covered by their insurance company. Others may be victims of insurance fraud or professional negligence, don’t worry we’re here to help.
Our nationwide panel of insurance dispute barristers can offer tactical advice, ADR and arbitration to ensure you resolve your dispute as quickly and efficiently as possible. If you need legal representation, our legal experts will work with your loss assessors to protect your interests in court.
The task of assisting your barrister to prepare your legal case may be daunting. However, we eliminate this burden by offering all-inclusive paralegal support, to coordinate with barristers on your behalf. Our paralegals can help with document management, filing and corresponding with the defendant to ensure you receive all the support you need throughout your case.
If you’re concerned about the legal fees involved, we can offer you affordable payment solutions, without paying huge instalments upfront. If you believe you’re not getting the compensation you’re entitled to, contact our legal experts today for direct access to barristers, paralegal assistance and cost-effective payment solutions on 0800 888 6760.
If you have already appointed an insurance barrister to your case, we can still offer you legal advice and payment plan solutions. We will make all the necessary arrangements on your behalf. Start your payment plan now.