Warranties and Conditions

Some commercial / business insurance policies contain warranties and conditions that are not found in other insurance policies. In each case, we will review whether it was correct for the insurer to reject or partially reject the claim and rely on a strict interpretation of the warranty or condition in question.

Where a claim has been rejected because the insurer says a policyholder has breached a warranty or condition, we will review to see whether there is a direct link between the breach and the loss the consumer has suffered.  For example, it is not unusual for an insurer to reject a fire claim because a specific type of burglar alarm was not fitted.

If a commercial / business policyholder was represented by a broker, it may be that the broker should have been aware that certain facts needed to be disclosed. In these cases, we might consider it more appropriate for the policyholder to make a claim directly against the broker.

It not an unusual occurrence and sometimes Insurance Companies do make the wrong decision.

If you have had a Commercial or Business Insurance claim either completely or partly rejected within the last 5 years, My Insurer Won’t Pay will happily review your claim for a nominal fee of £150 thereafter our panel of solicitors will happily consider to undertake your claim on a No Win, No Fee basis where they feel there is a potential opportunity for the case to be successful. 

There are a number of reasons why your claim could be rejected:

• Incorrect information – if you gave wrong information at any stage (for example, about how something got damaged), it could affect your claim.
• Lack of due care – for example, you may have unknowingly contributed to the event  which may mean you’re not covered under the terms of the policy.
• You didn’t take reasonable care to answer all the questions on the application truthfully and accurately – for example you might not have told the company about a pre-existing medical condition, county court judgment (CCJ) or criminal conviction.

If you are not happy with the reasons the insurance company give for rejecting your claim, contact My Insurer Won’t Pay and we will happily review your claim.