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How it works
Drop the letter and your policy.
Upload the refusal letter, plus your policy documents in PDF, photo, or screenshot — whatever you have.
Has your insurance claim been refused?
Claim smarter.
Drop your refusal letter and your policy. We'll work out what to argue, and write the letter you send back.
Drop your refusal letter →Launch price£49.99£19.99limited time offerNo account · Minimal questions · Money-back guarantee.
Insurers refuse thousands of claims every week
Don't let this happen to you.
Which? confirm a number of leading insurers don't follow the rules that are there to help you, and that their small print is unfair and lacks transparency. smarterclaims explains the arguments you need to overcome their excuse — and writes the letter you need to fight back.
Source: Which? consumer research, cited in its 2025 super-complaint to the FCA
We work out what's going on.
The system reads your upload, matches your case to one of around a hundred refusal patterns that we have documented, and picks the arguments worth making. If we need to ask you something, it's usually limited to a couple of simple questions.
You send the letter.
A complete rebuttal letter — using their language and everything is hyperlinked to the law and rules that help you show them you're right. Just check it and send it. We'll explain everything in plain English and tell you what to do if your insurer doesn't budge.
What you get
The know-how you need.
- ✓ A plain English explanation of the arguments you need to overcome your insurer's excuse
- ✓ A letter putting your best arguments forward using your insurer's language — everything backed up by hyperlinks to the laws and rules that help you show them you're right
- ✓ A step-by-step guide telling you what to do to get the best results
£49.99£19.99limited time offer
No-questions-asked money-back guarantee
See a sample packWhat we can help you with
The same arguments come up, again and again.
Most people don't make insurance claims regularly, so don't let your insurer take advantage of your inexperience. The arguments are different for each — but the patterns are predictable.
Home insurance.
Subsidence, escape of water, theft, fire, claims marked down for under-insurance, unoccupancy, wear and tear.
Motor insurance.
Theft, accident write-offs, undisclosed circumstances, modifications, change of address.
Travel insurance.
Pre-existing medical conditions, trip cancellation, lost and unattended belongings.
Health insurance.
Pre-existing condition exclusions, treatments declared "not medically necessary," network and provider disputes.
Pet insurance.
Pre-existing conditions, annual treatment limits, breed exclusions.
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.
Free
Policy check
See where your cover falls short — before you ever need to use it.
- A plain-language gap report on your policy.
- Spot the excuses before they cause a problem.
- Only buy the cover you need.
Real people, real results
People we've helped.
"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."
James A.
Royal Marine · Hertfordshire
"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."
Sudha Jasani
Accountant
"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."
SB
Simon Bridbury
Business Owner · London
"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."
Sez Osman
Solicitor · Kent
"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."
Kitty Borland
Sales Executive · Swindon
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Real clients we have helped, shared with their written permission.
Meet Steve
Who's behind this
The playbook this runs on.
Forty years inside the insurance industry, in both senior legal and commercial roles. Former UK General Counsel at AIG. Current Chairman of Lancashire Insurance UK. Regular voice on LBC radio. Steve has watched the same disputes come up again and again — and built the library of arguments that smarterclaims runs on, based on his decades of experience.
£25M+
recovered in refused claims with Steve's playbook
"I've spent forty years on the inside of insurance. The same excuses come up again and again, and most consumers don't know how to overcome them. This is the tool I wish my clients had before they called me." Steve SmartMore about Steve
Transparency
How the AI works.
The AI reads your refusal letter and your policy, classifies the dispute into one of around a hundred excuse types that Steve has documented, picks the arguments worth making, and drafts the letter.
A real human writes the law. Steve reviews and updates the underlying library — the arguments, the citations, the precedents. The AI applies it.
The AI is not in charge — it just delivers the know-how, reliably and cost-effectively.
Files deleted within 24h
No LLM training on your data
ISO 27001 certified
Questions
What you might be wondering.
Is this legal advice?
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.
Do I pay before I see the letter?
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.
Is there a money-back guarantee?
Yes — a no-questions-asked money-back guarantee. If your pack isn't useful, 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.
What if the insurer ignores my letter?
You can 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.
Our letters are written in a way that allows you to use them to make a complaint to the Ombudsman, by explaining your key arguments professionally and persuasively.
What if my case is too big for our service?
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.
Is my data private?
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. We don't use it to train external models.
Is Steve Smart actually involved?
Yes. 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.
No-questions-asked money-back guarantee.
If your pack isn't useful, we refund you in full. You risk nothing.
Claim smarter.
Drop the refusal letter. We'll do the reading. You'll have the rebuttal in minutes.
Drop your refusal letter →Launch price£49.99£19.99limited time offerNo account · Minimal questions · Money-back guarantee.