Insurance Disputes

Expert Legal Support for Complex Insurance Claims

In today’s complex regulatory climate, insurance disputes require specialist legal expertise to navigate technical challenges and secure rightful compensation. Our experienced insurance dispute solicitors help individuals and businesses overcome claim denials and underpayments. Contact us today: 0203 909 8399 | Book a Consultation

What Are Insurance Disputes?

Insurance disputes arise when insurers refuse to pay valid claims, offer inadequate settlements, or interpret policy terms unfavorably. The regulatory landscape and insurers’ risk mitigation strategies often leave policyholders at a disadvantage, compromising their rights to full entitlement. Our specialist team bridges this knowledge gap, ensuring you receive the compensation you deserve.

When Do You Need Insurance Dispute Support?

You may need our services if:

Your claim has been wrongfully denied
Settlement offers are below policy entitlements
Policy terms are being misinterpreted
Claims are being unreasonably delayed
Coverage disputes have arisen

Types of Insurance Disputes We Handle

Commercial Insurance Claims

Business interruption insurance
Commercial property damage
Professional indemnity
Public liability claims
Directors and officers insurance
Cyber insurance claims

Personal Insurance Claims

Home insurance disputes
Contents insurance claims
Motor insurance conflicts
Travel insurance denials
Medical insurance disputes
Life insurance claims

Specialist Insurance Areas

Freight and cargo insurance
Marine insurance
Construction insurance
Product liability
Warranty insurance
Event cancellation

Business Interruption Insurance Claims

Pandemic-Related Claims

Since the coronavirus pandemic, businesses have faced widespread operational disruption and financial losses. Many insurers have refused to accept liability for business interruption claims, leading to significant disputes. We help businesses navigate:

Policy coverage analysis
Disease clause interpretation
Denial of access provisions
Loss calculation methodologies
Government intervention clauses

FCA Test Case Impact

The landmark FCA test case brought clarity to business interruption insurance disputes:

High Court ruling favoring policyholders
Supreme Court dismissal of insurers’ appeals
Validation of FCA arguments
Clarification of policy wordings
Precedent for future claims

Our Insurance Dispute Process

Comprehensive Case Management

Policy Assessment: Full review of insurance terms and coverage
Merit Analysis: Evaluation of claim strength and policy wording
Regulatory Impact: Assessment of FCA guidance and test case implications
Insurer Negotiation: Direct liaison with insurance companies
Legal Proceedings: Court action based on individual case merits
Recovery: Securing full compensation due to you

Evidence and Documentation

We help gather and present:

Policy documentation analysis
Loss quantification reports
Expert witness statements
Financial impact assessments
Causation evidence

Common Dispute Reasons

Coverage Disputes

Policy exclusion interpretations
Notification timing issues
Pre-existing condition arguments
Causation disagreements
Quantum disputes

Claims Handling Issues

Unreasonable delays
Information requests
Investigation disputes
Settlement pressure
Bad faith conduct

Regulatory Framework

FCA Oversight

Fair treatment obligations
Claims handling standards
Dispute resolution requirements
Consumer protection measures
Market conduct rules

Legal Remedies

Financial Ombudsman Service
Court proceedings
Alternative dispute resolution
Regulatory complaints
Class action possibilities

Why Choose Connaught Law

Specialist insurance dispute expertise
Strong track record against insurers
Understanding of regulatory landscape
Experience with FCA test case implications
Comprehensive case management

Our Approach

Technical policy analysis
Strategic claim development
Aggressive representation
Cost-effective solutions
Client-focused service

Success Factors

Deep industry knowledge
Regulatory expertise
Litigation experience
Negotiation skills
Persistence and determination

Next Steps

Don’t accept unfair insurance claim denials or inadequate settlements. Our specialist insurance dispute team will fight for your full entitlement, using industry expertise and regulatory knowledge to maximize your recovery. Call 0203 909 8399 or Book Online for expert advice on your insurance dispute.