policyreferee.co.uk
Insurance claim Q&A | Review
Caution
Insurance Claim
Payout not enough
Pre-existing health condition
Insurance claim rejected
Choose how quickly we reply
Making a claim...
Insurance company offside?
Policyreferee.co.uk is here to help you with insurance claims - issues, delays, and disagreements.
Our objective is to ensure fair treatment, supporting you in disputing settlements, exclusions, and policy terms that seem unfair.
We aim to respond to your questions within 12 hours and review all rejected claims within 24 hours.
Our service, is free of commission - benefit from our claims expertise, increase your chances of a successful outcome and avoid disappointment.
common insurance claim complaints
Ask us about your claim
Give your claim the best chance
If you are looking to avoid disappointment or have already received an unfair decision that doesn’t meet your expectations.. Perhaps your insurance company is taking too long to make a decision...?
Avoid common Insurance pitfalls
Each of our skilled professionals has more than 20 years experience in the insurance industry. They will help you with your concerns - exclusions, delays, payouts, providing you with valuable insights, unbiased opinions, and guidance to contest poor decisions, improve settlements, giving you a plan of action to challenge your insurer, their agent or third party.
and the best part...
We can answer your questions within 12 hours and provide a complete review of your claim within 24 hours. Our services can include writing letters and emails to your insurer, adding weight to your complaint and minimising delays.
We operate on a fixed fee basis rather than charging a commission. Partnering with us ensures peace of mind, with policyreferee.co.uk supporting you and increasing your chances of a satisfactory outcome.
For more details about our services, feel free to contact us at customer@policyreferee.co.uk.
how it works
Click the button
Click on the Ask Questions button or go to find my policy.
Send us your questions
Fill in a few simple questions on our form and include your insurance policy documents.
Get your answers
You will receive your answers within 12 or 24 working hours depending on your chosen payment option.
what it cost
All responses within 12 or 24 working hours
07:00 - 19:00 GMT Monday - Saturday
2 Specified Questions
24 Hour Response
- 2 additional questions - £14.99.
- Letter | email for your insurer - £24.99 each communication.
- Costs apply to policies listed on our find my policy page.
2 Specified Questions
12 Hour Response
- 2 additional questions - £14.99.
- Letter | email for your insurer - £24.99 each communication.
- Costs apply to policies listed on our find my policy page.
Review within 24 hours
second Opinion
- Cost based on total amount claimed - more than £3,000 charged @ £44.99.
- Copies of claim documents required.
- Costs apply to policies listed on our find my policy page.
how we reply
Summary
We will provide you with a brief summary of:
- your question and our understanding of what you are asking us, to give an opinion on
- any information you have provided
- any other key information to consider
Reference & sources
We will highlight and reference, where applicable, relevant sources:
- your policy wording
- relevant laws and regulations
- industry codes of conduct and best practice
- any relevant evidence provided
12 | 24 Hour Response option
We will answer your questions within 12 or 24 working hours, depending on your chosen payment option. In our response, we may offer you some guidance to assist you in resolving an issue with your insurance provider or their representative and help facilitate the best possible outcome.
Second Opinion option
We will assess the information and claims documents you provide based on the terms outlined in your policy, industry standards, regulations, codes of conduct, and best practices. Your insurer is not legally obligated to communicate with us directly. Nevertheless, they must respond to any issues or information you present to them within a specific and reasonable timeframe, following any guidance and recommendations we provide you.
next step
When necessary, we might propose a "next step" plan to help you tackle foreseeable obstacles and potential issues. This will aid in expediting the decision-making process and ensuring the best possible outcome for your claim.
case studies
We may refer to pertinent case studies from industry experts and regulatory bodies.
view the example...
our customers
Our wedding venue was cancelled due to a situation outside of our control and we needed to find a new venue fast. Our insurance company refused to pay these extra costs. With the help of policyreferee, we were able to show that the extra charges were fair and reasonable.
kerry small
wedding cover
My dog, Woody, fell ill. Our insurer declined cover for his vet bills. We contacted policyreferee - they questioned a pre-existing health exclusion that had been applied to Woody. Our insurer eventually settled and Woody got the all clear.
paul & woody
pet cover
I damaged my wedding ring in an accident. My Insurance claim was declined. With help from policyreferee we explained to my Insurance company that, the damage was a result of an accident rather than normal wear and tear. My claim was settled.
mark turner
home cover
FAQ’s
What is the typical timeline for answering my email?
We acknowledge your completed form immediately and respond with your answers within 12 or 24 working hours depending on the payment option you have chosen. Our ‘Second Opinion’ option may take up to 24 working hours (07:00 - 19:00 Monday to Saturday).
Can you accommodate other policies not mentioned on your website?
Yes, we may be able to help you with another type of Insurance coverage. However, costs may vary depending on the type of policy you have - refer to our what it cost page for price guidance. You will receive a ‘Free of Charge’ acknowledgement email from us followed by a second email with an exact cost to answer your questions or review your claim - There is no obligation to accept our quote and If we cannot answer your question/s or review your claim, you will not be charged.
You dont have a telephone number..why do you only respond by email?
We aim to minimise costs for our customers and maintain a 100% response rate within our promise of 12 or 24 working hours. This commitment is a fundamental principle at policyreferee.co.uk. Communicating by email has proven to be the most efficient and cost-effective method for meeting our response times.
I have chosen the ‘second opinion’ option and want my claim reviewed - what do i need to do?
Fill out our online question form; you will need to upload your claims documents. There is an opportunity to do this on the form. Alternatively, use the email option on the form and send your claims documentation this way (any photos of documents must be clear and legible to view/read when expanded). Also include relevant emails/letters from your insurance provider or agent, your policy wording and any policy Terms and Conditions. We will then respond within 24 working hours - see how we reply.
meet the team
technical advisor
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technical advisor
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technical advisor
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compliance
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technical advisor
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debbie connolly
policyreferee.co.uk
simon streeter
consultant
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consultant
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operations
find my policy
Travel Insurance
Covers a range of possibilities; lost luggage | medical care | trip cancellation | emergency return home
Motor Insurance
Covers damage to your own vehicle, and third-party liability - damage | injury to another person
Home | Buildings insurance
Covers various risks, including damage due to fire, flooding, theft, or accidental damage
Medical | Health insurance
Costs of consultations, diagnostic services, and treatments. Various additional cover options
Expatriate insurance
Cover and benefits to expatriate professional, digital nomad | traveler | family, living in a foreign country
Personal Accident Insurance
Provides financial support in the event of accidental injuries or death, not limited to just at work
personal Liability Insurance
Covers legal costs or damages in the event that you are held responsible for injury or damage to a third party
property | phone | tech Insurance
Designed to protect your belongings against various risks, such as theft, fire, flood, and accidental damage
wedding Insurance
Protection for unexpected events that can disrupt your plans, such as illness, accidents, or venue issues
Events | festival Insurance
Can include public & employers liability, damaged equipment and event cancellation | abandonement
Equine insurance
Designed for horse owners, riders, and equestrian businesses - usually includes personal accident | liability, may cover vehicles
Holiday Home | static | park Insurance
can cover loss or damage caused by events like fire, storm, flood, theft, or vandalism
rural | farm Insurance
Protecting farmers, growers, and agricultural businesses covering various farming operations
public liability Insurance
Can cover you from a client | public claiming injury | property damage because or your business activities
Pet insurance
Pet insurance typically covers various aspects related to your pet’s health and wellbeing
caravan | camper Motorhome | RV insurance
Recreational vehicle insurance includes liability, collision and personal belongings coverage
Flood risk Insurance
Protecting buildings and property against the potential damage caused by flooding
Sport Insurance
financial protection (injury | liability) during sports participation | training. Can cover travelling to event
Trade Insurance
Can include public | employers’ | product liability, business interruption, property/equipment coverage
Outdoor Activities Insurance
Can include public | employers’ | product liability, business interruption & professional indemnity
Extended Warranty Insurance
An option usually available to you after your initial warranty has expired
Life Insurance
The insurer guarantees to pay a sum of money to one or more persons when the insured person dies.
Another Policy?
Please fill out your questions on the form, cost may vary based on the type of insurance policy. No obligation to accept our quote.
*policy documents must be provided
Paul & Woody, Kerry Small and Debbie Turner, from successful pet insurance claims, wedding catastrophe’s to resolving damaged property disputes, policyreferee.co.uk ensures that you receive the compensation you deserve.
connect with us
customer@policyreferee.co.uk
Working hours
07:00 - 19:00 GMT
Monday - Saturday
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