Areas of Law / Insurance law

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.

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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.

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Insurance law Questions

My son, who’s six, fell against a car while riding his bike and scratched it. Now the owners have come to me with a bill for £440! Do I have to pay this?

My son drove into a skip which had been left on a side road without lights. The car was badly damaged, but the skip hire firm denies responsibility, saying the skip had a light on it when they left it. The builders say this is not true. What can we do?

I was driving through town early one morning and collided with a roadworks sign that someone had thrown into the road. It caused £850-worth of damage to my car. Shouldn’t these signs be fastened down? When I spoke to the company concerned they just said it was vandalism and there was nothing they could do about it.

I have a static caravan on a private site. A branch from a large tree fell on my caravan and damaged the roof. Will the site owners be responsible for the repairs, or will I have to call on my own insurers?

My daughter bought a house on a new estate. The stream at the bottom of the garden flooded their house over the winter and even now the drains have difficulty coping. However the insurance company refuses to pay for any damage because they say the poor drainage is the County Council’s responsibility. The County Council says it’s the builders’ fault. What can be done?

We own a terraced house worth about £90,000, but the building society insists that we insure it for the full cost of rebuilding it, which would be about £180,000. Can they do this? It doesn’t make economic sense.

Can you tell me where I can find details of loss adjusters who specialise in house subsidence claims?

We rented a caravan for a week. Towards the end of the stay there was a fire, and we lost all our belongings. The owners said the site manager was dealing with the insurers, but after being passed backwards and forwards the owners are not now responding to our letters. We just want payment for the clothes and other items we lost.

I was involved in a car accident, and took the car to the garage appointed by my insurance company to be repaired. The garage rang me to say that the car was a “total loss”; then two days later they rang me again to say it was going to be repaired. I’ve refused to take the car back until they’ve sorted out how much they’ll pay me if the car is written off. What’s my legal position?

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