Defined legal service
Insurance claim disputes
Reviewing the policy, product rules, notice of loss, evidence, valuation and the reasons for refusal or reduction under voluntary or non-motor insurance.
The problem you need to resolve
- the insurer refused, reduced or delayed the payment
- the issue concerns comprehensive motor, property, personal, travel or another voluntary product
What you receive
- a refusal assessment
- an evidence list and agreed document
What we do
- review the questionnaire, deadlines and agreed document list
- separate verified facts from assumptions and define the legal objective
- policy, exclusions and notice periods
- event evidence, valuation and insurer calculation
- insurer complaint, NBU submission, demand or claim
What we need from you
- policy and rules
- premium and notice records
- claim, inspection and valuation
- decision and communications
- answer focused follow-up questions and verify the factual information
- do not send a full set of sensitive documents before the conflict-of-interest check and agreement of a protected channel
Fees
- Fees depend on the facts and scope of support. After a short discussion, we explain what the work includes and its cost. Fees are agreed before work begins.
- A possible first stage is a written action plan: review of agreed documents, legal assessment, next steps, deadlines, risks and alternatives.
- Additional objectives, extensive materials and foreign-language documents are discussed separately.
- Court fees and other mandatory payments are separate from the lawyer's fee. Notarial, translation, valuation and expert costs are also agreed separately.
What may change the route
- objections or new claims from another party
- missing, inconsistent or newly received documents
- the need for valuation, expert evidence, a notarial or registration step
- existing court or enforcement proceedings, a missed or imminent deadline
- the applicable law and product terms are date-specific
- expert evidence is agreed after necessity is reviewed
When this service is not suitable
- motor third-party liability and road-accident loss have a separate page
- an NBU complaint does not replace monetary recovery
How we report progress
- we agree the communication channel before work begins
- we report receipt of materials, completion of the assessment, document readiness and the next required action
- where new facts or extra work arise, we first explain the effect on timing and fees and ask for your approval
Official sources
Frequently asked questions
Does late notice always justify refusal?
No. The law, agreement and ability to verify the event must be assessed.
Can the NBU award the payment?
No.
Is independent valuation always required?
No.