Insurance Law

Insurance should protect against risk, but what happens if the insurer doesn’t pay out? We regularly advise on how to put it right, when the insurance has gone wrong. If the insurer disputes the claim, then the insured will be left with the loss as if the insurance never existed...
And wherever there is doubt as to the cover then, the broker who gave advice on what type of policy to take out, what level of cover was needed or obtained from insurers can be liable.

We have experience in working with our clients to resolve the issues. Our team has a long history of acting for individuals, businesses, large and small, charities and partnerships against some of the leading insurance companies in the UK

• Advising on the terms of public liability insurance to establish the extent of cover for specific events.
• Advising on the scope of Directors and Officers cover.
• Making critical illness recoveries and advising in relation to a key member of staff.
• Property insurance claims following fire, flood or theft.
• We have also successfully recovered damages for uninsured losses, where insurance has dealt with the main element of damage but residual losses remain.
• Claims against brokers for negligence.

Our experience is that insurers are quick to decline cover but, on a more careful evaluation of the claim and the applicable legal and regulatory obligations, insurance can be reinstated and claims paid.

We can offer arrangements for price certainty to allow you to budget accurately. We can manage the entire dispute or just take on a specific aspect such as a disclosure exercise, depending on what resource you already have in place and how you want to manage the issue.

The time limits for insurance dispute claims are six years from placement for the broker and six years from failure to indemnify for insurer.

If you would like any advice on your insurance dispute, please contact us for an initial consultation.

To discuss your insurance dispute claim please contact Enquiries@mylondonsolicitors.com