Insurance Dispute Solicitors
Challenging Unfair Claim Refusals
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No Win, No Fee
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35+ Years' Experience
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Led by Tony Hill
Proud to be associated with and featured in
Has Your Insurance Claim Been Refused or Disputed?
Insurance policies are there to provide protection when things go wrong. When an insurer refuses, delays or undervalues a valid claim, the financial consequences can be significant.
Wealth Recovery Solicitors acts exclusively for policyholders, not insurers. The team is led by Tony Hill, who has more than 35 years’ experience handling complex commercial litigation and insurance disputes.
If your insurer has rejected, delayed or underpaid your claim, we can assess your position quickly and advise you on your options, with no cost and no obligation.
Insurance Disputes We Handle
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Insurance Coverage Disputes
Disputes over whether a particular loss or event falls within the scope of cover, including arguments about trigger, causation, and the extent of coverage.
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Insurance Exclusion Disputes
Challenges to an insurer's reliance on exclusion clauses, including whether the exclusion was validly incorporated, whether it is ambiguous, and whether it applies on the facts. Courts will often construe ambiguous exclusions against the insurer under the contra proferentem principle.
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Insurance Rejection Disputes
Where your insurer has refused your claim outright, we investigate the basis for rejection and challenge it through negotiation, the Financial Ombudsman Service (for eligible disputes), or litigation.
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Insurance Policy Wording Disputes
Disputes about the true construction and meaning of policy wording, including where an insurer's interpretation is inconsistent with your reasonable expectations as policyholder.
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Commercial Insurance Disputes
Disputes involving commercial property, business assets, professional indemnity, public liability, and other commercial lines, typically involving larger claims with complex legal and factual issues.
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Directors & Officers (D&O) Insurance Disputes
Disputes over D&O coverage, including claims by directors facing regulatory action, shareholder claims, or personal liability where the insurer is disputing coverage. D&O disputes often involve fraud exclusions, late notification arguments, and non-disclosure allegations.
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Critical Illness Insurance Disputes
Challenges to insurers who have refused a critical illness claim on the basis of non-disclosure, policy definition, or other grounds.
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Life Policy Disputes
Disputes involving the refusal to pay under a life assurance policy, including disputes about non-disclosure, suicide exclusions, or the circumstances of a claim.
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Business Interruption Insurance Disputes
Claims arising from business interruption losses, including disputes about the scope of cover, the calculation of loss, and the indemnity period.
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Fire, Flood & Theft Insurance Disputes
Disputes over the scope of cover, valuation of loss, reinstatement costs, consequential losses, and insurer challenges to the cause and extent of damage.
Why Insurers Refuse or Dispute Claims
Insurers dispute claims for a range of reasons — some legitimate, many not. Understanding the common tactics used by insurers can help you recognise when a refusal is worth challenging.
Common grounds for refusal or dispute include:
- Allegations of non-disclosure or misrepresentation at the time the policy was taken out
- Reliance on exclusion clauses, often drafted in broad or ambiguous language
- Disputes about whether the triggering event falls within the coverage definition
- Challenges to the quantum of loss, arguing a lower figure than you have claimed
- Allegations that you failed to comply with policy conditions
- Deliberate delay tactics — particularly in complex commercial claims
Insurers have strong commercial incentives to minimise or avoid paying claims, and they instruct specialist coverage counsel. You need equally specialist representation on your side.
How We Handle Your Insurance Dispute
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Step 1 — Free Consultation
We review your policy, the insurer's position, and the facts of your claim at no charge and with no obligation.
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Step 2 — Policy Analysis
Our team analyses the policy wording, the basis for rejection or dispute, and the legal arguments available to you.
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Step 3 — Formal Challenge
We put the insurer on formal notice of your claim and the legal basis on which we are challenging their position.
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Step 4 — Negotiation or Litigation
We negotiate directly with the insurer's legal team, attend mediation if appropriate, or issue court proceedings where necessary.
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Step 5 — Recovery
You receive the insurance proceeds you are entitled to. Our fee is only charged on a successful outcome.
Why Choose Wealth Recovery Solicitors
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Specialist Focus
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Led by Tony Hill
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No Win, No Fee
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Litigation-Ready
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Transparent Process
Head of Professional Negligence & Commercial Litigation
Your Specialist: Tony Hill
“Insurance disputes are often especially difficult types of case, but we have a track record of success in resisting Insurers’ efforts to avoid their responsibilities. We are equally skilled in negotiation or, if required, in litigating these matters before the courts”
Tony Hill is a solicitor with more than 35 years of experience handling high-value professional negligence and commercial litigation matters. A graduate of the University of Oxford (MA), Tony has acted in landmark cases — including a £50 million solicitors’ negligence matter and high-profile multi-million pound property fraud litigation.
Tony leads the insurance dispute practice at Wealth Recovery Solicitors. He acts for corporate and partnership entities as well as individuals, and is fully prepared to litigate when a pragmatic resolution cannot be achieved.
Tony secured an excellent mediation outcome in a high-profile insurance insolvency dispute, and has experience with D&O, business interruption, commercial property, and professional indemnity insurance claims.
Member, The Law Society of England and Wales.
Frequently Asked Questions
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Can I challenge my insurer in court?
Yes. Insurance contracts are governed by English law, and insurers can be sued for breach of contract where they wrongly refuse to pay a valid claim. Court proceedings are typically a last resort, but they are available where negotiation and mediation have not produced a fair result.
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What is a D&O insurance dispute?
Directors and Officers (D&O) insurance protects company directors and officers from personal liability arising from decisions made in their capacity as directors. Disputes arise when an insurer argues that a claim falls outside the D&O policy — for example, on grounds of fraud exclusions, late notification, or non-disclosure. These disputes are complex and require specialist legal representation.
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My insurer relied on an exclusion clause to reject my claim. Can I challenge this?
Yes, in many cases. Exclusion clauses must be validly incorporated into the contract, clearly drafted, and must actually apply on the facts. Where exclusion clauses are ambiguous, the court will construe them against the insurer under the contra proferentem principle. We assess the specific clause relied upon and advise whether it is legally sustainable.
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How long do insurance dispute claims take?
Many insurance disputes are resolved through negotiation or mediation within 6 to 18 months. Complex disputes that proceed to trial will take longer. We manage the process proactively and keep you updated throughout.
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What does “No Win, No Fee” mean?
It means we offer eligible insurance dispute cases on a conditional fee arrangement. You do not pay our legal fees unless we successfully recover for you. We explain all fee arrangements clearly before you commit to anything.
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What should I do if my insurer is delaying my claim?
Deliberate delay is a common tactic, particularly in complex commercial claims. If your insurer is unreasonably delaying settlement or failing to respond to your claim, you may have grounds to escalate the matter — either through the Financial Ombudsman Service (for eligible disputes) or through formal legal proceedings. Contact us for a free assessment of your position.
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Do I need a solicitor for an insurance dispute?
While you are not legally required to instruct a solicitor, insurance disputes — particularly those involving coverage arguments, exclusion clauses, or high-value claims — involve complex legal and factual issues. Insurers instruct specialist counsel, and having equally specialist representation significantly strengthens your position.
Important Information
In certain particular circumstances, there may be longer limitation periods available through statute or other mechanisms but the primary periods, as noted, are always to be considered.