Claims
Claims answers, checked against real typical policy wording
Real incidents, checked against typical typical policy wording before you file.
Got a denial letter?
Why Was My Insurance Claim Rejected? (Top 9 Reasons)
Most rejected claims come down to 6 policy clauses. See the patterns, check yours, and decide whether to appeal — PolicyPal reads your wording in 60 seconds.
Read answerClaim turned down by your UK insurer?
Why Was My Home Insurance Claim Rejected? (UK)
UK insurers reject claims for non-disclosure, late notification, wear and tear and unoccupied property. Check your policy in 60 seconds.
Read answerHit by someone else?
Not-at-Fault Car Accident: Will Your Insurance Pay?
Whose insurer pays, when your own kicks in, and how to avoid premium impact on a not-at-fault claim. Check your policy in 60 seconds with PolicyPal.
Read answerBefore you call the insurer…
Burst Pipe Water Damage Claim: Will Insurance Pay?
Burst pipes are usually covered — but only if your policy's 'unoccupied' and 'frozen pipe' clauses don't catch you out. Check yours in 60 seconds.
Read answerBurst pipe or leaking appliance?
Escape of Water Claim on UK Home Insurance
Escape of water is the most common UK home claim — average £6,500. See what's covered, what's not, and check your wording in 60 seconds.
Read answerInsurer voided your policy?
Non-Disclosure Claim Rejection — UK Rights
Under CIDRA 2012, UK insurers can only void for deliberate or reckless misrepresentation. Know your rights before you accept the rejection.
Read answerProperty flooded?
Flood Claim on UK Home Insurance
Flood is covered on most UK home policies via Flood Re — but excesses can hit £10,000+. See how to claim correctly.
Read answerLetter says 'wear and tear'?
Denied for 'Wear and Tear'? Read This First
Wear-and-tear denials are often appealable. See how to challenge them with the right evidence — PolicyPal drafts the language.
Read answerHit by another driver?
Non-Fault Car Accident — UK Claims Process
Claim through the at-fault driver's insurer or a credit hire company to protect your NCD. See the pitfalls.
Read answerJust had a claim?
What Happens to NCD After a UK Claim?
A fault claim usually wipes 2–5 years of NCD unless protected. See how protected NCD actually works.
Read answerAfter a fire?
Fire and Smoke Damage Claims: What to Expect
Fire claims are usually paid, but ALE limits, smoke remediation, and content valuation cause disputes. Check yours in 60 seconds.
Read answerWorried what claiming will cost?
How a Claim Affects UK Insurance Premium
Even non-fault claims raise UK premium by 10–40%. See the data and how long it stays on your record.
Read answerBag never arrived?
Lost Luggage Claim: What Travel Insurance Pays
Airline pays first, travel insurance fills the gap. See per-item and total limits in 60 seconds with PolicyPal.
Read answerFlood denied?
Flood Claim Rejected? Here's Why
Flood is excluded from home insurance — it needs a separate policy. See what may still be claimable from home cover.
Read answerReported a claim late?
Late Notification — Can a UK Insurer Refuse?
Under the Insurance Act 2015, late notification alone isn't enough to refuse. Prejudice must be proven.
Read answerDenied for unlocked door?
Theft Claim Denied: 'No Forced Entry'?
Most home and renters policies require forced entry for theft cover. See what to do if your claim was denied for this reason.
Read answerVet bill denied?
Pet Insurance Claim Denied? Common Reasons
Pre-existing exclusions, waiting periods, and bilateral clauses cause most pet denials. PolicyPal checks the wording.
Read answerSum insured too low?
Underinsurance and the Average Clause (UK)
Underinsured by 30%? Your UK insurer pays 30% less. See how the average clause works and how to fix it.
Read answerCar vandalized?
Car Vandalism Claim: What's Covered?
Vandalism is comprehensive cover, not collision — and may not affect your premium. Check your policy in 60 seconds.
Read answerYour policy is the only source of truth
Get a precise answer for your exact policy
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.