Practice areas · Injury and insurance claims
Legal advice when an insurance policy is in dispute
Insurance contracts follow their own legal rules, and disputes can turn on the wording. We advise policyholders and others affected on their rights and duties.
Suite 6A, Monpark Building, Monument Park · Confidential insurance advice
Who this is for
When the policy does not respond as expected
It helps to understand the contract before you argue about it.
A claim has been refused.
You want to know whether you can enforce it.
You are unsure what the policy says.
You need its wording explained.
A policy has ended or changed.
You want to understand termination or reinstatement.
You are in a long-term insurance dispute.
You need advice on your next step.
How we can help
Insurance matters we advise on
- Legal opinions. Written advice on insurance questions.
- Validity of an insurance contract. Whether a contract is legally effective.
- Contents and interpretation. What the policy says and what it means.
- Enforcement of claims. Steps to pursue a claim under a policy.
- Insurer’s rights based on warranties. How warranties in a policy can affect a claim.
- Subrogation and salvage. The insurer’s rights after paying a loss.
- Cession and assignment. The rights and duties of third parties.
- Termination of the contract. When and how a policy may end.
- Performance and reinstatement. What an insurer must do and when cover resumes.
- Marine insurance. Cover for ships and cargo.
- Aviation insurance. Cover relating to aircraft.
- Judicial management and winding-up of insurers. Legal processes affecting insurers in difficulty.
- Statutory duties of registered insurers. The obligations the law places on insurers.
- Statutory duties of other persons. Obligations of those who are not registered insurers.
- Long-term insurance disputes. Disagreements over long-term policies.
- Facilitating settlement of claims. Helping the parties reach agreement.
- Litigation. Court action where a dispute cannot be resolved.
- Other insurance matters. Ask us about anything not listed.
Reading the fine print
Insurance disputes often come down to how a clause is read. An attorney can read the policy alongside the facts and tell you where you stand.
How it works
Taking an insurance matter forward
- 1
Describe the dispute.
A few lines by form or phone are enough to begin.
- 2
Review and fee.
We discuss your policy and confirm the fee before work starts.
- 3
Advise and act.
We give you our view and proceed on your instructions.
Straight answers
What to expect from us
A policy’s wording decides much.
We cannot promise that an insurer will pay, or that a claim will succeed. We will read your documents, tell you honestly how the law applies, and say plainly if the claim looks weak.
Enquire
Ask about insurance matters
Share a short summary and our office will respond.
Questions
Insurance questions
What does it cost?
We quote per matter once we understand it, and confirm the fee before we begin.
What should I bring?
Your policy schedule and wording, and any letters from the insurer.
How long will it take?
It depends on the dispute, and we will give you a realistic view.
Is the conversation confidential?
Yes.
Get the policy read by an attorney.
Tell us what has happened with your claim or cover.