Meet the Founder
Led by Ruth Gaffney who is the Founder of DeclinedClaims and She is one of Ireland’s leading insurance professionals. With over 20 years’ experience in the insurance industry, Ruth has worked in sales and advisory, Legal and compliance, risk management and dispute resolution.
She began her career as an Insurance Broker in Lloyd’s of London and has since advised insurers, intermediaries, businesses, legal professionals and consumers. Ruth holds a Bachelor of Civil Law (Honours) from University College Cork. She is a Chartered Insurer, Certified Insurance Practitioner and experienced Insurance Expert to the Courts.
Her insight into why claims are declined and how disputes can be resolved inspired the creation of DeclinedClaims. Ruth provides independent assessment, clear advice and practical advocacy, helping consumers pursue fair outcomes without unnecessary litigation.
Her mission is simple: to ensure consumers are not disadvantaged because insurance is complex.
Insurance Claims Disputes Need Insurance Expertise
When an insurance claim is declined, it is often treated as a legal problem. In many cases, however, the real answer lies in insurance practice, policy wording and how the claim has been handled.
Insurance policies can be complex, lengthy and difficult to understand. The wording in the policy is important, but it is only one part of the overall contract between you and your insurance company.
At DeclinedClaims, we help clients understand what has happened, why an insurer may have rejected or disputed a claim, and what practical steps are available to move the matter towards resolution.
We Help You Understand the Decline
When your insurer rejects, delays or disputes your claim, the next step can feel unclear. We bring structure to the situation by listening to your story, reviewing the insurer’s reasoning and identifying the key insurance issues.
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We Listen to Your Story
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We Review the Insurance Documents
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We Identify the Next Step
DeclinedClaims supports consumers, businesses and professional advisers with expert insurance dispute guidance.
Our objective is to help clients avoid unnecessary litigation where possible, preserve commercial relationships and work towards fair, practical and mutually beneficial settlements.
Why Clients Choose DeclinedClaims
Specialist Insurance Dispute Support
