Reported 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.
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The short answer
Late notification only defeats a claim if the insurer can show it caused them actual prejudice — evidence lost, repairs done, witnesses unavailable. The FOS routinely overturns blanket late-notification rejections under the Insurance Act 2015.
Frequently asked
- What counts as prompt?
- Wording usually says 'as soon as reasonably possible' — courts read this flexibly for consumers.
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Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
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