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This area covers disputes arising from an insurance contract where the claimant is the policyholder, including interpretation of policy wordings, entitlement to cover, and handling of claims or refusals by insurers. A solicitor in this field drafts and negotiates claim notices, reviews policy terms, coordinates evidence like loss assessments, and represents the policyholder in negotiations, complaints to the Financial Ombudsman Service, and, if needed, court or tribunal proceedings to recover or enforce benefits.

What a solicitor handles in these matters

Insurance disputes arise from interpreting policy wordings, exclusions, and conditions, plus breaches of good faith by the insurer. A solicitor handles complex tasks such as gathering expert reports, submitting and defending claims, raising misrepresentation or non-disclosure issues, and navigating remedies under the Insurance Act and related regulations. They coordinate with loss adjusters, medical or engineering experts, and represent the policyholder in the Financial Ombudsman Service, county or high court proceedings, and any subsequent appeals.

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