Occasionally an insurance company will refuse to pay all or some of a claim, but there will be reasons for this. Here are some typical reasons for claims to be refused, and what you can do about it if it happens to you. If your car or items from you car are stolen, the insurance company may refuse to pay if they believe you were at fault, either by lying or by failing to lock your car doors for example. If the insurers think you are giving false information about the circumstances or the items taken then you could lose out. Likewise if you cause an accident and are found to have blood alcohol levels over the legal limit, your insurance policy may not cover you. There will be exceptions in most policies and very few will cover you if you break the law or are negligent. Make sure you use all the security on your car and that you keep receipts for expensive items like laptops and mp3 players. Sometimes an insurer will refuse to pay out if items are covered by your house insurance and they feel that it is more appropriate for that policy to cover your losses. If you own a classic car, the book value may be lower than you have paid to restore the vehicle. Check the small print, and don't be afraid to haggle if you think the sum offered to you by the insurers is incorrect. Read the small print before you buy your car insurance policy. It is important to be aware of any exclusions, for example most policies do not cover you if you take your car abroad. You may also find that your policy will cover you for theft of some items but exclude others such as golf clubs. Items damaged or taken from a roof rack may also be excluded. If you are not happy with your insurers decision and have not been able to get anywhere by discussing your concerns with them, you can turn to the Financial Ombudsman Service. This is an independent organisation which mediates between customers and insurance companies when there are disputes over claims. You must exhaust your insurers own complaints procedure before the Ombudsman will get involved.
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Occasionally an insurance company will refuse to pay all or some of a claim, but there will be reasons for this. Here are some typical reasons for claims to be refused, and what you can do about it if it happens to you.
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