What is Insurance Litigation?
Insurance disputes arise when an insurer fails to honour the terms of a policy, which can include circumstances in which they are refusing to pay out, delaying settlement, or offering a reduced amount. These disagreements often stem from complex policy wording, differing interpretations of coverage, or allegations of non-disclosure or misrepresentation by the policyholder. Resolving these disputes requires a clear understanding of both the contractual obligations and the legal principles underpinning insurance law.
Types of insurance disputes we can assist with:
- Business interruption claims – Assisting businesses in recovering losses resulting from operational disruptions, including those caused by unforeseen events.
- Critical illness & life insurance – Representing individuals and families in disputes over denied or underpaid claims relating to serious illness or death.
- Cyber insurance claims – Supporting organisations in navigating claims arising from data breaches, ransomware attacks, and other cyber incidents.
- Directors’ & Officers’ (D&O) insurance – Advising company directors and officers facing claims related to alleged misconduct or breach of duty.
- Marine & boat insurance – Handling disputes involving commercial and private vessels, including damage, theft, and liability claims.
- Product liability insurance – Assisting manufacturers and suppliers with claims arising from defective or harmful products.
- Property damage claims – Representing clients in disputes over damage to residential, commercial, or industrial property.
- Warranty & indemnity insurance – Advising on claims linked to M&A transactions, including breaches of warranties and indemnities.
Here to help
Our specialist teams can provide full service legal advice and assistance, providing practical and cost-effective solutions.
Specialist Insurance Litigation solicitors
Insurance disputes can be complex, frustrating and financially damaging, but you don’t have to face them alone, our team of experts act exclusively for the insured, helping to provide clear and strategic advice. We combine deep sector knowledge with a proactive and client-focused approach to help you secure the compensation you are entitled to. Whether you are an individual policyholder or a business, we are committed to protecting your interests and resolving disputes efficiently and effectively.
Insurance Litigation FAQs
Can you help if my insurer has already rejected my claim?
Yes. A rejected claim does not necessarily mean the end of the road. We can review the insurer’s decision, assess the strength of your case, and advise on the best course of action, whether that is negotiation, formal complaint, or litigation.
Can I dispute a settlement amount if I believe it’s too low?
Yes. If you feel the insurer’s offer undervalues your claim, we can help you challenge the settlement and negotiate for a fairer outcome based on the policy terms and supporting evidence.
Can I claim against my insurance broker?
In some cases, yes. If your broker provided negligent advice, failed to arrange appropriate cover, or misrepresented the terms of your policy, you may have grounds to bring a claim against them. We can help assess liability and pursue compensation where appropriate.
What is the process for bringing an insurance dispute?
The process typically involves reviewing your policy and claim history, engaging with the insurer to resolve the issue, and, if necessary, escalating the matter through formal complaint procedures, litigation, or alternative dispute resolution. We guide you through each step with clear, strategic advice.
What if the insurer has already denied my claim?
A denial can be challenged. We will examine the reasons given, review the policy wording, and determine whether the insurer’s decision is legally sound. If not, we will help you pursue the claim through the appropriate channels.
What is the Financial Ombudsman Service and can it help with my insurance dispute?
The Financial Ombudsman Service (FOS) is an independent body that resolves disputes between consumers and financial services providers. If your claim is eligible, the FOS can offer a free alternative to court proceedings. We can advise on whether this route is suitable and assist with preparing your complaint. Whilst instructing us to assist with this may improve your prospects of succeeding and obtaining a recovery, you may instead pursue a complaint via the Ombudsman yourself free of charge and without representation.
Do I need a solicitor for an insurance dispute?
While it is possible to handle a dispute yourself, having a solicitor can significantly improve your chances of success, especially in complex or high-value cases. We bring legal expertise, negotiation skills, and a deep understanding of insurance law to help you achieve the best possible outcome.
Do you offer fixed fees or flexible funding options?
Yes. We understand that certainty of costs is important. Depending on the nature of your dispute, we may offer fixed fees, staged billing, or conditional fee arrangements. We will always be transparent about costs from the outset.
Our Insurance Litigation experts
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Learn MoreAbout Ellis Jones
We take a personal approach to every client and every case, providing reassurance while working quickly and efficiently to achieve the best outcome for you.
Learn MoreAbout Ellis Jones
We take a personal approach to every client and every case, providing reassurance while working quickly and efficiently to achieve the best outcome for you.
Learn More