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Questions and answers about Insurance Law
What is the difference between a broker and an insurer if something goes wrong? 1 answer
1 answerI bought my business insurance through a broker who said I was fully covered. When I made a claim, the insurer said the risk was excluded. Who is responsible, the broker or the insurer, and can I claim against either?
Where can I complain if I am unhappy with how my insurer handled my claim? 1 answer
1 answerI have been unhappy with the way my insurer has communicated with me and handled my claim, and its final response was unsatisfactory. I do not know whether there is an independent body I can go to or whether I have to sue.
Can my insurer cancel my policy or refuse to renew because of a claim? 1 answer
1 answerAfter we made a flooding claim on our house, the insurer told us it would not renew our policy, and other insurers are quoting very high premiums or declining altogether. Is that legal, and what can we do?
I had to cancel a holiday because a family member became seriously ill, but the travel insurer refused to pay, saying the condition was pre-existing. We had paid a large amount for flights and accommodation. Is that decision reasonable?
I recently renovated my kitchen and started running a small online business from a spare room. I have not told my home insurer about either. Could that cause problems if I made a claim? I am not sure where to start or who I should be contacting about this.
My car was damaged in a crash and I was over the legal alcohol limit. The insurer says that it will not pay any of the repair costs or the other driver’s damage. Is that lawful, and is there anything I can claim?
Water damage appeared in my ceiling and the insurer sent an assessor who said the leak came from a worn pipe fitting, so the claim was declined under a wear and tear exclusion. I have paid premiums for years without a claim. Can they really refuse?
The insurer wants to repair rather than replace my laptop, is that allowed? 1 answer
1 answerMy laptop was stolen and the insurer says it will pay for an equivalent refurbished model instead of a new one. I bought the laptop new a year ago and I do not want a used replacement. Can they choose how to settle my claim?
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