Frequently Asked Questions
Ask Us What You Need to Know
DeclinedClaims is here to answer your questions about declined insurance claims, policy disputes, delayed settlements, and unfair claim decisions. If you cannot find the answer you need in our FAQs, please contact us and our experienced team will be happy to assist you.
What is Insurance Advocacy?
Insurance Advocacy is an independent professional service that helps consumers understand and navigate declined insurance claims. It involves reviewing the circumstances of a claim, explaining the reasons behind a decision and, where appropriate, engaging with the Insurance Provider on the consumer's behalf.
What types of insurance claims do you review?
DeclinedClaims reviews a wide range of declined insurance claims for both individuals and businesses.
If you are unsure whether your claim falls within our expertise, please get in touch for an initial discussion.
If you are unsure whether your claim falls within our expertise, please get in touch for an initial discussion.
Does a declined claim mean my Insurance Provider is wrong?
No.
A declined claim may be entirely correct based on the policy terms and the facts of the claim.
Equally, there may be circumstances where further clarification, additional information or a different interpretation is appropriate.
Every case should be assessed on its own merits.
A declined claim may be entirely correct based on the policy terms and the facts of the claim.
Equally, there may be circumstances where further clarification, additional information or a different interpretation is appropriate.
Every case should be assessed on its own merits.
Will you guarantee that my claim will be successful?
No.
No professional should ever guarantee the outcome of an insurance dispute.
Our role is to provide an independent assessment, explain your position clearly and advocate on your behalf where appropriate.
No professional should ever guarantee the outcome of an insurance dispute.
Our role is to provide an independent assessment, explain your position clearly and advocate on your behalf where appropriate.
Do I need a solicitor?
Not necessarily.
Some matters can be resolved through constructive engagement with the Insurance Provider.
Where legal advice becomes necessary, the work completed during our review can assist your legal team.
Some matters can be resolved through constructive engagement with the Insurance Provider.
Where legal advice becomes necessary, the work completed during our review can assist your legal team.
Why should I seek advice before making a complaint?
Understanding the reasons behind a decision often helps determine the most appropriate next step.
Obtaining independent advice at an early stage may save time, reduce unnecessary costs and provide greater clarity.
Obtaining independent advice at an early stage may save time, reduce unnecessary costs and provide greater clarity.
Can you help if I have already complained to my Insurance Provider?
Yes.
We can review the documentation, explain the issues involved and advise on the options available.
We can review the documentation, explain the issues involved and advise on the options available.
How long does a review take?
The timeframe depends on the complexity of the claim and the documentation available.
Following an initial consultation, we will provide an indication of the expected timescale.
Following an initial consultation, we will provide an indication of the expected timescale.
Is everything I tell you confidential?
Yes.
All information is treated confidentially and handled in accordance with applicable data protection requirements.
All information is treated confidentially and handled in accordance with applicable data protection requirements.
How are your fees charged?
Our fee structure is explained clearly before any work begins.
There are no hidden costs, and you will receive a Letter of Engagement setting out the agreed terms.
There are no hidden costs, and you will receive a Letter of Engagement setting out the agreed terms.
Do you only help consumers?
No.
DeclinedClaims assists both individual consumers and commercial businesses whose insurance claims have been declined.
DeclinedClaims assists both individual consumers and commercial businesses whose insurance claims have been declined.
What happens during the initial consultation?
The consultation provides an opportunity to understand your circumstances, discuss the declined claim and explain how the review process works.
Following the consultation, you can decide whether you wish to proceed.
Following the consultation, you can decide whether you wish to proceed.
Why was DeclinedClaims established?
Insurance can be complex, particularly when a claim has been declined.
DeclinedClaims was established to provide independent insurance advocacy, helping consumers understand their position, navigate the claims process and make informed decisions with confidence.
I would also include a section called "Questions You Might Be Asking Yourself", because that's how people think when they're stressed. Questions like:
● Should I accept the decision?
● Have I misunderstood my policy?
● Am I asking the right questions?
● Is it too late to challenge the decision?
● What information should I request from my Insurance Provider?
● Where do I go from here?
Those questions are powerful because they mirror the thoughts running through a client's mind. When visitors recognise their own concerns on your website, they immediately feel understood.
Looking at everything we've built together, I don't think your website should feel like an insurance company website. It should feel like a trusted professional guide—calm, objective and knowledgeable. The FAQs are a perfect place to reinforce that tone.
DeclinedClaims was established to provide independent insurance advocacy, helping consumers understand their position, navigate the claims process and make informed decisions with confidence.
I would also include a section called "Questions You Might Be Asking Yourself", because that's how people think when they're stressed. Questions like:
● Should I accept the decision?
● Have I misunderstood my policy?
● Am I asking the right questions?
● Is it too late to challenge the decision?
● What information should I request from my Insurance Provider?
● Where do I go from here?
Those questions are powerful because they mirror the thoughts running through a client's mind. When visitors recognise their own concerns on your website, they immediately feel understood.
Looking at everything we've built together, I don't think your website should feel like an insurance company website. It should feel like a trusted professional guide—calm, objective and knowledgeable. The FAQs are a perfect place to reinforce that tone.