Insurance policies can lead to insurance coverage disputes. “All risks” does not mean all risks. Accidental damage may not be covered as a matter of course and claims may be rejected. Lists of conditions that are covered are tightly defined and other circumstances do not give rise to a claim. Insurers may say there is a breach of warranty or general policy condition or that the claim is fraudulent. Part of your insurance claim may turn out not to be insured. There may be an issue about the sum claimed under the policy. Your insurance broker may have been negligent in placing the insurance. The potential pitfalls are endless and lead to insurance disputes.

Most insurers have their own complaints procedure, nearly all insurers are regulated. There is the Financial Ombudsman Service (FOS). You may be able to resolve an insurance dispute by mediation. Insurance policies usually give you the option to go to arbitration. The courts are there at the end of the day to address insurance disputes.

Mariel Monk and Lisa Ginesi between them have over forty years’ experience in dealing with insurance disputes, often with an international flavour, representing insurers and clients against insurers and third parties. The dispute resolution team understand the insurance market and can assist you through all processes surrounding insurance disputes.

Our dispute resolution team has dealt with a wide variety of insurance disputes from those relating to banks and financial institutions; marine hull, P&I and cargo; goods in transit; carriers’ liability; warehouse keepers; public liability; employers’ liability; occupiers’ liability; fires; floods; property damage; construction; landlord & tenant; business interruption; environmental and pollution; product liability; professional negligence; directors’ and officers’ liability; errors and omissions to personal injury, including clinical negligence.
We are not tied to any insurance company and our dispute resolution team has no hesitation in taking on insurers to bring the insurance dispute to an early conclusion on satisfactory terms.