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Questions and answers about Insurance Law
The other driver’s insurer contacted me directly, should I talk to them? 1 answer
1 answerAfter a collision that I think was partly the other driver’s fault, their insurer has called me asking for a statement and suggesting I sign a form. I have not spoken to my own insurer yet. What should I do?
I forgot to mention a medical condition when I took out life insurance 1 answer
1 answerA relative of mine died and the life insurer has refused to pay out because they say the policy holder did not disclose a health problem on the application form. The person did not think it was significant. Can the insurer really refuse to pay?
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?
We made a claim more than six months ago and the insurer keeps asking for more documents and telling us that it is still being assessed. We are living in temporary accommodation and paying our own costs. What can we do about the delay?
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?
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.
My tenant caused significant damage to the property, including holes in walls and ruined carpets, and left without paying. I have landlord insurance, but the insurer says only some of it is covered. How does this kind of cover work?
An insurer denied my income protection claim because I could still do some work 1 answer
1 answerI have a back condition and my income protection insurer says I am able to do some kind of work, so they stopped my benefit. My doctor says I am unfit for my normal job. How do insurers decide this? Nobody has given me a straight answer and I want to understand where I actually stand.
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