Why Could My Car Insurance Claim Could Be Rejected
Imagine being involved in an accident and having your car written off only to find out that you cant actually make a claim on your car insurance.
A lot of rejected claims could have been avoided. So, heres a list of very common reasons why your car insurance may not cover you in the event of a claim.
Not reading the small print!
Its a real shame but were all guilty of it. We often focus on the more obvious elements of car insurance and forget to go through the more intricate details of cover.
Each insurer has their own policy clauses, which drivers have to agree to, that enables them to make a claim. If, for some reason, you have overlooked an important section in your policy documents, it could mean bad news for you.
Set yourself an hour or so aside to go through your entire policy document.
Lying about your insurance details
Im sure youve read about the ways people are saving money on their car insurance by slightly bending the truth about their address, their occupation or the amount of miles theyll be driving.
Theres a time and a place to lie about your details but, with insurance, if details are incorrect, your insurer could increase your premium, cancel your policy, treat is as if it never existed, refuse a claim or not pay the claim in full.
Be honest about your situation at all times during your policy. This also means if any of your details change.
Modifying your car and keeping it quiet
Out of date documents
Get Started With Your Home Insurance Claim
Once you’ve check that your policy is in-date, you can either chat to our UK-based call team or register your claim online
Were here to take your call:
- Monday to Friday: 8am to 8pm
- Saturday: 9am to 5pm
- Sunday: closed
- Bank Holidays: 9am to 1pm
Customers will reach the out of hours service if they call outside of the main office hours, where claim details will be taken and followed up during office hours.
Check And Understand Your Insurance Policy
After starting your claim, theres never a better time than now to check your insurance policy. A homeowner that understands the policy start to finish is better equipped to deal with the insurance company moving forward.
Read your policy to understand exactly what is covered. The policy might have a section specific to your type of incident like a fire, flood, wind or hail. Read that section carefully.
Insurance policies are required to be written in plain English not legalese. Your insurance policy should clearly state the terms of your coverage in a way thats easy for anyone to understand. Unfortunately this is not always the case, and there is often ambiguous wording that may lead you to believe something might not be covered. However, an experienced public adjuster might be able to better interpret the meaning of this policy language to actually cover your loss.
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How An Insurance Company Pays You
If your homeowners insurance claim is approved, then the insurance company will pay your claim. The insurance company agrees to cover your damages, and you will receive compensation for those damages.
Depending on the type of claim and the extent of damages, an insurance company could pay you in different ways.
The two most common ways to receive payment for a homeowners include claim include:
What If It Is Not Clear Who Is Liable For My Injury
It may not be clear who is responsible for your injury if, for example:
- Someone else caused your accident, but their identity is unknown, e.g. a hit-and-run accident.
- You may be partly responsible for the extent of your injuries if, for example, another driver ran into you but you were not wearing a seatbelt.
If it is not clear who is responsible your injury, it is often still possible to make a claim.
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Legal Expenses Claims And Advice
All AXA home insurance customers have access to a confidential helpline for free expert advice about legal issues including:
- Breach of contract
- Motoring prosecution
- Employment disputes
If you have a HomeSafe policy, you can also claim up to £100,000 to help with legal costs and expenses. If you have added Legal expenses as a cover option to your HomeSmart or HomeSure policy, you can claim up to £50,000 to help with legal costs and expenses.
For legal advice or to make a claim, call .
Lines are open 24 hours a day, 7 days a week.
Claiming On Your Home Insurance
If you have to claim on your home insurance, it can be frustrating not knowing how long you will have to wait. If your insurance claim is taking a long time or perhaps not moving at all a Loss Assessor can help you through the process to achieve the result you want.
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Do You Have To Pay An Excess
Yes, most insurers will set a policy excess that you have to pay towards any claim.
You may be able to change the value of the excess, but a lower amount will mean that your insurance premiums will increase. If you choose to pay a higher excess, it could make your cover cheaper, but its important to be sure that your excess is still affordable.
Most insurers set an excess of around £200, but you may be able to choose to pay as little as £50.
Some claims will come with a higher compulsory excess that you cannot change, for example:
Subsidence claims can come with an excess of £1,000
Escape of water claims can come with an excess of £350
This is because these claims can be expensive, so your insurer charges you more to reduce the amount they have to pay.
Is There A Time Limit On Settling An Insurance Claim
Generally speaking, there is no maximum time limit for how long it can take to settle an insurance claim. While unusual, this means that the claim could go on for some time without coming to an agreement or a conclusion. This is quite rare and most claims wont take longer than a year to complete.
When it comes to claiming on your insurance after an incident, you must do so within six years. This is laid out in the Limitation Act 1980, that states you can claim up to six years after the event, but no longer than this. When an accident occurs, most people want the problem solved immediately, so its rare that a person would wait this long. Once this time period has passed, you cannot claim on your insurance for that incident.
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Gather Evidence To Support Your Claim
Take photographs of any damage and collect samples of things like carpets if theyve been affected. Do this in case you need to provide these to the insurer as evidence. You should also keep damaged items in case it wants to assess them. Also avoid redecorating or making repairs without discussing it with your insurer first.
How To Make A Home Insurance Claim In The Uk
If you need to make a home insurance claim at any point in the UK, you should contact your insurer as soon as possible. Most companies allow you to submit a claim either online or by phone. You will need to provide:
- Your insurance policy number
- Details of the claim, including dates/times, extent of damage and details of anything stolen
- Any receipts, quotes or invoices if you have had to pay out for anything
Your insurer will probably assign you a claims manager, with whom you can liaise while your claim is processed. Most claims in the UK are usually settled in a matter of weeks if they are straightforward.
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Which Homeowners Insurance Claims Increase Rates The Most
Some claims impact your rates more than others. The following types of claims have the most impact on your premium or coverage eligibility because homeowners can usually take some steps to reduce the chance of these losses:
- Water damage. Think burst pipes, leaky faucets, or flooded appliances. These claims are largely viewed as preventable, and therefore may impact your more.
- Liability. If someone falls in your home or is hurt in your swimming pool, that claim may drive up the cost of your insurance.
- Fires. These tend to be the most expensive claims, averaging $68,322, which is why fire claims might have more impact on your record.
- Theft. Too many break-ins may signal to an insurance company that you arenât taking steps to secure your property.
- Dog bites. All dogs are good dogs, but a dog with a bite history may increase your premium or not be covered by your policy.
The following claims may have less of an impact on your coverage eligibility. Thatâs because these claims are weather dependent, and insurance companies acknowledge homeowners canât control the weather:
- Wind and hail damage
- Freezing damage
What’s Covered In My Home Insurance Policy
There are two types of insurance here buildings and contents cover.
Some insurers sell all-encompassing cover for both your building and your contents.
Its up to you whether you feel this is better value, or not.
Some might find a combined policy is less expensive and more convenient than separate policies. Others might not.
A good contents policy protects you from theft and damage to most of your valuables.
Its a smart idea to work out precisely how much contents protection you might need. You can do this by using our contents calculator.
All claim circumstances vary but they usually include protection from:
- Fire, lighting, flooding and storms not to mention explosions and theft
- If your fridge or freezer breaks down you should be covered for spoiled or contaminated food
- The theft of any cash
There may be legal liability protection attached should a friend or visitor be injured and youre at fault.
Its sensible to list high-value items individually. Typically these are watches, cameras, jewellery and perhaps even sports equipment over £1,000 in value.
Dont forget musical instruments and bikes. A valued musical instrument, for example, might need an agreed valuation.
Pricey electric bicycles, in particular, are getting popular and are quite prone to theft without good security!
You could look at getting bicycle insurance for these items.
The cost of cover should usually include damage from:
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How Will My Claim Be Settled
Depending on the type of loss or damage the claim will either result in you receiving the money to cover replacing or repairing the lost or damaged items, or the money to cover the cost of repairing the damage. Or in some cases, the insurer may pay the suppliers directly.
In some cases, especially if the claim is of a large value, the Claims team may send an assessor to your property to assess the best approach to settle the claim. If this is likely, the Claims handler will let you know when you log the claim with them.
Should You Make A Claim
Before claiming on your home insurance, you should consider the cost of your excess and the fact that your home insurance premium is likely to increase when you renew it because youve made a claim.
If your claim is only for a small amount, or the claim amount is similar to the cost of your excess, you may be better off paying for the costs out of your own pocket and leaving your no-claims record intact.
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Information On Your House
CLUE does more than keep files on you personally — the database also keeps records on your house. If you try to buy a home with a history of flooding or mold claims, you may not be able to find an insurer who’ll give you a policy. If you do buy a house with a troubled past, the CLUE files don’t disappear when it changes hands. You may find yourself unable to sell because the next buyer’s insurer won’t accept the home, even though you never filed a claim.
Holiday Home Insurance In The Uk
If you want to insure a holiday home in the UK, you will need to take out coverage that includes things such as loss of rental income and risks associated with long unoccupied periods. Most standard home insurance policies only cover homes left empty for a maximum of 30 days at a time.
Some insurance companies in the UK supply holiday home insurance which you can buy as a separate policy or sometimes combine in a package. Similar to standard home insurance, you can choose between buildings, contents or combined coverage. Another option is to take out a policy with a holiday home insurance specialist such as HomeProtect or IntaSure.
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How Long Do Home Insurance Claims Take
If youre claiming on your home or contents insurance for the first time, youre probably wondering how long your insurance claim will take. Even if its not your first home insurance claim, making a claim can be a stressful experience and youll want to know when the stress of the claims process will be over so you can get your life back to normal.
How Long Does A Home Insurance Claim Process Take
The claims process can vary by state. Some state laws don’t specify a specific time frame for insurance payouts and only grant a “reasonable” amount of time to either deny or pay a claim. Here’s the rundown for a few states:
- California: Insurers have 40 days to either accept or deny a claim. However, insurers can request additional time. However, they must notify the policyholder every 30 days about the status of their claim. Once insurers accept a claim and agree to a payout, payment must be issued no more than 30 days later. However, this stipulation does not apply when the policy “provides for a waiting period after acceptance of claim and before payment of benefits,” state law says
For more information, check the website of your state’s insurance department or call them for more information.
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When Is A Claim Payment The Final Payment
When your claim is finished, you will likely be signing a notice that shows the total amount paid in the claim. This document will state that the claim is being closed and that you accept the final claim payment. Until you get to that point, keep track of your claims checks and expenses to make sure you get paid for everything until your final claim payment is made.
Get Help From A Loss Assessor
Taking on a home insure provider in the event of a large claim can be daunting. Usually an insurer will send a loss adjuster round to look at your property, and they will decide how your claim will progress.
However, you may wish to have someone working with you personally to also have a look at the claim.
If you bought your home insurance policy via a broker, you can always turn to them for help. Or you can appoint a loss assessor – a claims specialist who looks after the interest of the consumer, to help you at an additional cost.
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If You Live In Rented Accommodation
If you rent your home, ask your landlord to contact the company that insures your home.
Youll need to contact your insurance company if you have contents insurance. Tell them about the flooding and say you want to make a claim for contents.
Your policy will include an excess amount. This is the amount you must pay before the company pays a claim for contents.
Emergency Home Insurance Claims
Lines are open 24 hours a day
LiveChat is available Monday to Friday: 8:00am – 6:00pm. Alternatively you can .
For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. The cost of calls to 03 prefixed numbers are charged at national call rates and are usually included in inclusive minute plans from landlines and mobiles.
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesnt influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
How long a home insurance claim takes to process can depend on your actions, so it is important to know what you are doing before you contact the insurance company. You can greatly reduce how long your home insurance claim will take to process if you are knowledgeable and prepared. Follow some important tips and make your homeowners insurance claim go smoother.
What to Do After You File a Home Insurance Claim
You can make your home insurance claim smoother and take less time to process by following some of these steps:
How Long Does a Homeowners Insurance Claim Take?