Insurance coverage disputes arise where an insurer declines to meet a claim submitted under a policy. Cover can be declined for many reasons, those most commonly arising being issues in relation to:
- policy interpretation and reliance on exclusion clauses
- misrepresentation and non-disclosure
- breach of condition(s) precedent
- breach of warranty
- where fraud is alleged
Our Insurance Disputes team acts for policy holders in claims against insurers and has extensive experience in all types of disputes. We can advise in relation to both commercial and personal lines insurance and have particular experience where disputes arise in relation to:
- property insurance
- combined all risks cover
- jewellers block policies
- critical illness cover
- income protection cover
We work closely with brokers and loss assessors and can offer assistance not only in relation to court proceedings but also the initial stages of a claim including policy appeals, alternative dispute resolution and matters before the Financial Ombudsman Service.
Funding
Pannone can also offer assistance with funding such claims. Our Advantage funding product offers a 'no win no fee' conditional fee agreement and legal costs insurance to cover the risk of having to meet the insurer's legal costs. Advantage gives clients certainty in relation to costs, reduced financial exposure and the ability to negotiate from a position of strength. For more information please see our Advantage homepage
Our experience
Recent cases have involved:
- acting for a commercial policy holder in connection with a multi-million pound claim involving issues of late notification and the extent and adequacy of information provided under conditions precedent
- acting for a commercial policy holder in a multi-million pound claim involving issues of alleged previous fraudulent and exaggerated claims and non-disclosure of false statements to prior insurers
- acting for a commercial policy holder in connection with a substantial claim involving an alleged breach of an intruder alarm warranty
- acting for a commercial policy holder in a substantial dispute involving policy exclusions
- acting for a policy holder in connection with a claim under two income protection policies involving issues of non-disclosure, the nature and duration of incapacity and the offset of benefits paid under other policies
- acting for a client in relation to a claim under her late husband's life assurance policy involving issues of non- disclosure of a pre-existing condition and postponement of cover by other insurers
To speak with a solicitor in the Insurance Disputes team please click here or call us on 0800 840 4929.
