2020-07-07
Case Studies

Insurance claim had been denied

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Posted by Susan Hopcraft on 07 July 2020

Susan Hopcraft - Professional Negligence Lawyer
Susan Hopcraft Partner

In July 2020 we secured an Ombudsman decision in our client’s favour where their insurance claim had been denied.

Insurers had refused the claim relying on allegations of an unfair presentation at the time the insurance was renewed. We complained to the insurer, as a pre-requisite to a referral to the Financial Ombudsman, and when insurers were not moved we swiftly referred the complaint to the ombudsman.

After careful investigation the ombudsman issued a decision in our clients’ favour relying on the various points we had set out to explain why insurers’ stance was not in accordance with the applicable regulations and law relating to insurance policies.

This high value claim was made on a residential household property insurance following a fire, but the ombudsman also deals with complaints against financial services providers by both eligible businesses and individuals.

FOS can award up to £350,000 in compensation . Our client was also awarded 8% interest on the compensation from the time the insurance monies should have been paid, which more than covered our legal costs to assist in the referral.

About the author

Susan is a disputes and professional negligence lawyer, mainly in the financial services sector.

Susan Hopcraft

Susan is a disputes and professional negligence lawyer, mainly in the financial services sector.

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