Insurance Disputes

Experienced in insurance dispute resolution when the financial protection and risk management you expected does not deliver.


How quickly do I need to pursue a potential claim over my insurance cover?

It is very often of vital importance with insurance matters to notify your business insurers as soon as possible in relation to any potential issues.  In relation to your underlying insurance claim under your relevant policy, you are likely to be obligated to notify your insurer as soon as you become aware of grounds that might reasonably give rise to a potential claim under the policy, and a failure to notify the insurer in a timely manner will often form the basis for an alleged denial of cover.

Equally, if your insurer has purported to deny cover for an insurance claim, or worse, has purported to void your entire insurance policy, it is important to make sure that you respond to any notice provided by your insurer within the stated timeframe, otherwise your right to appeal that decision could potentially be lost.

Getting early advice on the interpretation of your insurance policy is therefore normally the key to resolving insurance disputes quickly and effectively.  Each insurance dispute will depend on applying the individual facts to the specific wording used in that particular insurance policy, so finding out where you stand as soon as possible is the most important first step towards resolving any potential insurance dispute.

What if my insurance policy does not provide me with adequate cover?

If your insurance cover was arranged for you by an insurance broker (rather than by yourself liaising directly with the insurer), then you could potentially have a related Professional Negligence claim against your broker, if your broker negligently failed to obtain adequate and effective insurance cover for you, or otherwise provided you with negligent advice on the scope of the insurance cover being offered. Our Professional Nem can assist you with pursuing any such claims against negligent insurance brokers.

What information must I provide to an insurer when I apply for insurance cover?

The rules regarding what information must be provided to an insurer when applying for insurance cover have been overhauled in recent years, and different rules apply to businesses and consumers.  Businesses are now under a duty to provide ‘fair presentation’ of the risk to be insured, which will require a very fact-specific assessment to determine whether that duty has been met, and what the potential consequences of not meeting it may be.

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Sam Pinder was outstanding. My dispute was incredibly professionally managed to a highly successful outcome. I was informed and consulted at every step of the way and truly felt part of the process in partnership with Sam and under his professional leadership and guidance.
Client of Sam Pinder
I have dealt with many firms of solicitors in the past and I can honestly say, so-far, I am very happy with Gardner Leader. Currently, I will most definitely use them in the future.
Client of Michael Axe
I am very happy with Gardner Leader! I have dealt with many firms of solicitors in the past and I can honestly say, so-far, Gardner Leader are the best. I will most definitely use them in the future.
Client of Michael Axe
Michael Axe’s franchising expertise and pragmatic attitude resulted in a swift and successful outcome without the need for extensive legislation.
Client of Michael Axe
Hilary Messer from Gardner Leader was a perfect professional, and just who I needed to work with to help defend my claim. She was thorough, informative, had clear expertise and gave good honest professional advice along the way.
Client of Hilary Messer
What a fantastic firm. All round superb service and particular thanks to our incredibly impressive litigation lawyers.
Client of Daniel Smith

Meet the Insurance Disputes Team

Meet the Insurance Disputes Team