Insurance Law
Insurance work covers motor, casco, health, fire and liability policies, claim notice, surveyor reports, refusals and recourse. Cover, deductibles and exclusions should be read first. Late notice can put payment in issue. A refusal letter is evidence. General information only; each claim follows its own policy.
Frequently asked questions
When must I notify a claim?
Policy and statutory time limits apply. Late notice can put payment in dispute.
Is an insurer’s refusal final?
No. The reasons, the policy and the reports can be challenged.
Can diminution in value be claimed?
In motor damage, if the conditions are met. Fault and the scope of repair matter.
What is recourse?
The paying insurer seeking recovery from the person at fault — driver, operator or a third party.
Can I challenge the surveyor’s report?
Yes. It is not always binding; a second opinion may be sought.