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You need insurance for just about anything these days from your car to your home and valued possessions, or if you are business owner, you need employer’s liability cover to protect you against claims against employees.

Whatever the policy, an insurance company has a legal obligation to meet the terms and conditions set out in your contract. If it fails to do so, the company will be in breach of contract.

Disputes rising as a result of insurance policy claims are becoming just as common as making the claims themselves. A dispute can be a result of a claim that has been rejected outright, or where the insurance company refuse to pay the full value of the claim, leaving you out of pocket.

Challenging insurance disputes can be complex, but there are options available for you to challenge these, and a solicitor who specialises in this area of the law will be able to advise you further.

Our free legal advice can assist when your insurance company has rejected your claim, refused to pay you what your claim is worth, or given some other reason not to pay you.

Still unsure?

if you’re looking for legal advice, take a look at some of the questions our lawyers have already answered to help you get advice on your insurance law query, or get in touch with one of our legal advisors today. Simply write your question in the box and our lawyers will handle the rest.

Free insurance legal advice at your fingertips.

Questions

A friend had a car accident and authorised me to handle the claim for him. The insurance company took so long that they eventually promised to send me £50 by way of compensation. However they quickly reneged on this, claiming they did not owe me a duty of care. Surely I was entitled to the money once they’d made the promise?

I rent out a house. Someone visiting my tenant went out into the back yard in the rain to cut some ivy and slipped on the wet flagstones, breaking two bones in her leg. She now wants to claim damages from me. What’s my responsibility?

When the minimum wage rise came in my pay went up to £6.95 an hour. But new staff being taken on are being paid the same amount, which doesn’t seem right since I’ve been here longer and work harder. Is there anything I can do to change the situation, other than leave?

Recently my neighbour built a conservatory in his back garden. He knocked down concrete boundary posts put up by the council and proceeded to encroach on to my garden. He says he isn’t on my property, so what can I do?

Is it correct that car and burglar alarms are supposed to switch themselves off after 20 minutes – or is that just a myth?

My husband left me many years ago, and I’ve heard nothing from him since. Is there any way I could find out where he’s now living?

I’ve received a witness summons in a County Court case. I had no notice of this whatsoever, and the case is due to be heard while I’m abroad. Is there anything I can do?

My divorce has now come through and my solicitor has drawn up a consent order to divide our money and property. Although it’s been signed by all parties, my ex-husband’s solicitor won’t release it until he pays his bill. This is unlikely to prompt my ex-husband to pay up, since the order signs the house over into my name. How can I sort this out?

How can I find out whether one of my employees has really been ill when he takes a day off work? With doctor-patient confidentiality I’m sure I won’t get any information from his GP.

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