Expert-drafted rebuttal letters backed by 40 years of legal expertise. Most rejections are beatable - we show you how, or we refund you.
Free to check · No account · Takes 60 seconds
Insurers refuse thousands of claims every week. Their “no” looks final. We work out how to challenge their excuse and give you the right know-how to do this persuasively by yourself.
You’ve made an insurance claim and your insurer has sent you a convincing rejection letter. Maybe for non-disclosure, a policy exclusion, or some technical reason you don't understand.
We analyze it. We will analyze all submitted information against our database containing 40 years of know how on how to successfully challenge most insurer excuses. We’ll tell you immediatelly where do you stand and how to proceed free of charge. It takes 60 seconds!
You get a professional rebuttal. If you think what we tell you is helpful and you want us to prepare a letter for you to send to your insurer - we will get this done in couple of minutes and it will be citing the specific laws, FCA rules, and Ombudsman precedents that apply to your case - written in the language insurers respect and can flip their decision immediatelly. Here is a sample pack of what you get →
You send it. Copy, paste, send. Most insurers reverse their decision at this stage.
Describe in plain English what happened and your current concern. Takes 60 seconds. We'll give you clear guidance on whether we can help and what to do next - completely free. You can start right now, even if you don't have your refusal letter with you.
Drop your refusal letter and insurance policy. Takes 2 minutes. No account needed.
Our system identifies the legal flaws in the refusal and writes a professional rebuttal with citations.
Send the letter to your insurer. Most reverse their decision. If not, escalate to the Ombudsman.
We combine 40 years of know how in how to get refused insurance claim paid with the latest developments in Artificial Intelligence. This allows you to access high quality accurate information at the fraction of the typical legal cost.
Our database of know how is managed and kept up to date by Steve Smart, who has spent 40 years in the insurance industry (Chairman of an insurance company and a practicing insurance lawyer).
If you buy one of our claims packs and you’re not completely happy with it, we refund you in full. You have 14 days to decide. No questions, no hassle.
We don't train AI on your documents. We don't share your data. We don't keep it longer than we need to. We don't keep user accounts.
Start free. Pay only if we can help you win.
A small one-off fixed fee - not a lawyer's hourly bill.
Real people. Real wins. ~£25 million recovered for refused claims and counting.
"After being injured in action, my military insurer tried to argue that my injuries weren't permanent - so they'd pay me only a small percentage of the policy limit. Steve identified several arguments to challenge their refusal, and they ended up paying me virtually the full policy limit."
"After a major house fire destroyed our contents, our insurer said we were under-insured - and that they'd only pay a fraction of our claim. Your know-how helped us overcome their excuse and get everything we were asking for."
"Following a house fire, my insurer's loss adjuster argued that a lot of the damage was excluded. Steve identified the arguments to make, and they ended up paying our claim in full."
"When my husband's physiotherapy practice was forced to close temporarily due to a virus, our insurer said it wasn't on their list of diseases and wouldn't pay anything towards our loss of earnings. The arguments you came up with convinced them to pay up."
"After a car crash that wasn't my fault, the insurer tried to write off my car for far less than it was worth. You guided me through exactly what I had to do and say - everything was clear and easy to understand, and I got the full amount I was owed."
No. smarterclaims publishes legal information and writes letters you can send yourself - like a digital version of a published legal guide. We're not a law firm and we don't give advice - but we think that giving you access to previously unavailable expertise at a very affordable price, plus our money-back guarantee, more than offsets these limitations.
If your case needs professional representation, we'll tell you, and we can introduce you to the right people if you ask us to.
You see a preview of the analysis and arguments before you pay. The letter is £49.99 - currently £19.99 (limited time offer), and it comes with an explanation of where you stand and your step-by-step plan.
Yes - a no-questions-asked money-back guarantee. If for any reason you are not satisfied with your Claims Pack, just tell us within 14 days and we'll refund you in full. No forms, no hoops to jump through. You risk nothing by trying.
You can usually escalate your case to the Financial Ombudsman Service. Their service is free. It's designed for consumers, so it's easy to use. It handles disputes up to £455,000 and there are usually no hearings or meetings to attend.
Our letters are written in a way that allows you to use them to make a complaint to the Ombudsman if you need to, by explaining your key arguments professionally and persuasively.
Some cases - usually those over £100,000 or where the facts are hard-contested - might require the services of a solicitor. If your case looks like one of these, we'll tell you upfront and we can introduce you to someone suitable if you ask us to. Because we completely understand the insurance industry we know the best people to go to.
Your refusal letter and policy documents are held in encrypted storage for a maximum of 24 hours - a short safety buffer in case your email needs re-sending - then they are permanently and automatically deleted.
We don't sell your data. We don't share it with insurers or anyone else unless you ask us to. We don't use it to train external models.
Yes, but not in your individual case. Steve built the underlying logic and reviews the library that the AI applies. He doesn't review individual cases - the system is designed to do that work - but his forty years are what the tool runs on. This is what allows us to provide high-quality know-how at a fraction of the cost of hiring a traditional law firm.
We handle most common UK consumer insurance: home, motor, travel, health, and pet insurance. If your policy type isn't supported, we'll tell you upfront - before you pay.
Describe what your case or concern is about. We will advise you immediately how to handle it. Free of charge. Then you can upload your documents, wait 5-7 minutes for analysis and answer a couple more questions, review the analysis, and download your letter. Most people are done in under 10 minutes.
Free tool | Before anything goes wrong
Completely free. Get ahead of a refusal before it ever happens - check your cover for the gaps insurers rely on, so you can avoid the pitfalls and traps. No charge, no account.
See where your cover falls short - before you ever need to use it.
Join hundreds of people who've successfully overturned insurance rejections. Professional letters. Expert guidance. Money-back guarantee.
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