Złożenie roszczenia ubezpieczeniowego
Jak złożyć roszczenie ubezpieczeniowe i co robić w przypadku odmowy.
Przegląd
When you suffer a loss covered by your insurance policy, you need to notify your insurer and make a claim. Insurance contracts are governed by the Insurance Act 2015 (for consumer and business insurance) and the Consumer Insurance (Disclosure and Representations) Act 2012. If your claim is rejected or underpaid, you can complain to the Financial Ombudsman Service (FOS), which can make binding awards of up to £430,000.
Proces krok po kroku
Check Your Policy
Read your policy carefully to understand what is covered, any exclusions, excesses (deductibles), and time limits for notification. Check whether the loss falls within the scope of cover.
Notify Your Insurer
Report the claim to your insurer as soon as possible. Most policies require notification within a set period (often 30 days). Provide initial details of the loss — date, circumstances, and estimated value.
Gather Evidence
Collect evidence to support your claim — photos, receipts, valuations, police reports (for theft), medical records (for injury), repair estimates. Keep all damaged items until the claim is settled.
Complete the Claim Form
Fill in the insurer's claim form with full and accurate details. Provide all supporting documents requested. Be honest — making a fraudulent claim is a criminal offence and will void your policy.
Negotiate the Settlement
The insurer may send a loss adjuster to assess the claim. Review any settlement offer carefully — you do not have to accept the first offer if you believe it is too low. Obtain independent valuations if needed.
Complain to FOS if Rejected
If your claim is rejected or you are unhappy with the settlement, first follow the insurer's formal complaints procedure. If not resolved within 8 weeks, you can escalate to the Financial Ombudsman Service (FOS) for a free, independent review.
Koszty
Ważne ostrzeżenia
Never exaggerate or falsify a claim — insurance fraud is a criminal offence.
Check whether making a claim will affect your future premiums or no-claims discount.
Time limits apply — notify your insurer as soon as possible after the loss.