If you’re unhappy with an offer from your insurer, you have the right to reassessment. Depending on the circumstances, you may even be due financial compensation. Read our guides to find out how to make a complaint and get what you're owed.
Answers to your problems
I want to claim on my insurance, what should I do?
We all need insurance at some point. If you have to make a claim on your insurance policy, use the advice outlined in our Which? guide.
Can I get a refund if I cancel my insurance?
Whether you can get a refund on your insurance depends on a number of factors. Find out more with the Which? guide.
I’m having problems claiming on my travel insurance
Travel insurance gives extra protection if your trip doesn't go as planned. Find out what you need to do if you have problems claiming on your travel insurance policy.
I’m unhappy with my insurer's decision on my claim, what can I do?
Sometimes you may disagree with your insurers’ decision on your claim. This can be a delicate situation, but there are steps you can take for a better result.
I’ve been given vouchers instead of cash by my insurer
There are steps you can take to get what you want if you’ve been surprised to receive vouchers as an insurance pay-out .
There's an unfair term in my insurance policy, can I challenge it?
Once you've taken out an insurance policy, you are usually tied to its terms and conditions. However, standard clauses can be challenged if they are unfair.
Step by step guides
How to complain about your insurance provider
If your insurer dismisses your claim, don't be put off. An insurance contract is the same as any other. Follow our step-by-step guide to complaining effectively
Letter rejecting your insurer's offer on a claim
If you have grounds to believe your insurer's offer on your claim is too low, use this template letter to reject the offer.
Letter to ask the FOS to intervene in an insurance dispute
If you reached deadlock with your insurer, you can refer your complaint to the Financial Ombudsman Service (FOS). Use the Which? template letter to do so.
Letter to refute your insurer's rejection of your insurance claim
If you’re unhappy with your insurer's rejection of your insurance claim and you believe you can refute their denial of liability, use this template letter.
Letter to refute your insurer's repeated rejection of your claim
If your insurer has repeatedly rejected your insurance claim use this Which? template letter to point your insurer to the Unfair Trading Regulations 2008.