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Insurance complaint letter
generator — free UK tool

Challenge a rejected insurance claim or unfair policy decision with a professional complaint letter. References FCA regulations and your right to the Financial Ombudsman Service — free PDF download.

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Your rights when an insurance claim is rejected

Insurance companies are regulated by the FCA and must treat customers fairly. A rejected claim is not the end — you have the right to challenge the decision and escalate to the Financial Ombudsman.

⚖️ Key rights

  • FCA Consumer Duty: Insurers must act in good faith and pay valid claims promptly
  • Right to challenge: You can formally dispute any rejected claim through the insurer's internal complaints process
  • Financial Ombudsman: After 8 weeks, escalate for free. The FOS upholds around 30-40% of insurance complaints against insurers
  • Mis-selling: If the policy didn't cover what you were led to believe, you may have a mis-selling claim
What are the most common reasons insurance claims are rejected? ▾
Common reasons include: policy exclusions (e.g. gradual damage, wear and tear), non-disclosure of information when taking out the policy, claims made outside the policy period, or alleged fraud. Many rejections are successfully overturned on appeal when challenged with a formal letter.
How do I dispute a rejected insurance claim? ▾
First, request the full written reason for rejection and the specific policy clause relied upon. Then submit a formal complaint letter (which we generate above) requiring them to reconsider. If rejected again, refer to the Financial Ombudsman — they uphold around a third of insurance complaints.
Can the Financial Ombudsman force my insurer to pay a claim? ▾
Yes. If the FOS finds in your favour, their decision is binding on the insurer. They can order the insurer to pay the claim, pay interest for delays, and pay additional compensation for distress and inconvenience.

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