Summerfield Browne Solicitors are authorised and regulated by the Solicitors Regulation Authority. SRA number 598802.
Insurance has become a necessity for many individuals and companies to ensure protection against unexpected events and risk. Insurance is based on a policy of insurance protection agreement, and the extent of this protection, can be the central issue in many insurance litigation disputes.
Our insurance dispute lawyers have extensive experience in advising on a diverse range of claims against insurance companies. We shall rigorously review your insurance policy and the circumstances surrounding your claim, to determine whether you have any grounds for a claim against your insurer.
If your claim has been denied we can also advise you on your options including your right to make a complaint, or to refer the claim to the Financial Ombudsman Service or to issue formal court proceedings.
Great company, incredibly knowledgeable staff. Caring and professional in their approach. Tessa Rhodes is an absolute star. She won a number of cases for us over the years.
We will not only not hesitate to recommend them but we will 100% be instructing them again.
Thank you, Summerfield Browne.
Claims against insurance policies can be denied on numerous grounds. The most common include policy exclusion clauses which exclude insurance liability in certain circumstances, false statements known as misrepresentations, made by you at the time you took out the policy and non-disclosure of material facts whether at the time you took out the policy, or during the terms of your policy.
If you find yourself in the position of being denied a claim by your insurer, then our team of insurance dispute solicitors can review your insurance policy and correspondence between you and your insurer, to see if the rejection of your claim is valid and lawful.
Our insurance solicitors understand that insurance is heavily relied upon in today’s society, that is why we will take the time to fully understand your case, evaluate the circumstances and strength of your claim and advise you on the options available to you, which could include making a complaint to the insurer or to the Financial Services Ombudsman or threatening and issuing a court claim.
We are able to offer expertise for a variety of insurance disputes including those involving policies of:
If you think you have a possible insurance dispute, simply contact us, and our team of specialist insurance lawyers will be happy to assist.
It is essential that when taking out any type of insurance policy that you give the correct information to enable the insurer to provide an accurate quotation for the cover you require. If you fail to provide accurate information the insurer can decline cover and, in some cases, terminate your policy.
It is also important during the term of any insurance policy, to immediately notify your insurer if you have a change in circumstances which needs to be notified in accordance with your policy conditions. Claims can be refused if something has changed which will affect the policy of insurance, and in circumstances where you are obliged to notify the insurer, but you have not done so. To ensure you are properly covered it is always best to check with your insurer if notification or amendments are required to your policy.
If you find yourself in a situation where you believe you may need to make a claim against your policy, do not delay, contact your insurers immediately, to discuss if you are covered and what information they require from you to start a claim. It is important that you keep detailed records of any correspondence with parties involved and that you keep receipts and payment records, which you will have to produce to allow payments to be made to you under your policy.
If you are considering taking out a policy to cover items of jewellery, always keep the purchase receipt and take photographs of the jewellery with a date endorsed on them. Insurers may refuse claims for lost or stolen jewellery if this information is not available.
Our insurance solicitors will aim to reach a final settlement as soon as possible that will be in your best interests. We will robustly negotiate on your behalf, and endeavour to obtain the best settlement for you, and we will keep you updated and informed as your case progresses.
We place great emphasis on client care and believe that client relationships should be at the heart of any successful law firm.
