Told “no” by your insurer?
You don’t have to accept it.
Everything a journalist needs on SmarterClaims — the facts, the story, the case evidence, and a named expert available for comment, usually same‑day.
“That knowledge has always existed. It has just never been on the consumer’s side of the table.”
What SmarterClaims does
When an insurer wrongly rejects a claim, SmarterClaims gives the customer a complete, expert‑grade rebuttal letter — every argument, law and policy term needed to overturn the decision and get their money back. What once needed an expensive solicitor now takes minutes and costs a small fixed fee. For thousands of people who’d given up on money they were owed, it’s the difference between walking away and getting paid.
Why it works — Steve’s playbook
SmarterClaims runs on the personal playbook of Steve Smart — 40 years in insurance, and former General Counsel and CEO of AIG’s UK consumer business. He ran the side that writes rejections; now he’s turned the playbook around. Over more than a decade it has recovered around £25 million for ordinary people, in cases from £3,000 to £400,000. The technology hasn’t replaced Steve’s expertise — it’s made it reach thousands more people than one expert ever could.
For journalists in a hurry — the whole story on one page.
Insurers employ teams of specialists whose job is to minimise payouts — using technicalities, indecipherable small print, and “a box that wasn’t ticked.”
An honest person who rarely claims and has no experience of the fight. Faced with a dense refusal letter, most simply give up.
That surrender is the injustice.
SmarterClaims puts 40 years of insider know‑how into the consumer’s hands — a complete, law‑cited rebuttal in minutes, for a small fixed fee. The balance shifts back.
Millions of valid claims are abandoned because fighting costs more than the claim.
Around 3.9 million insurance claims are rejected in the UK each year. Some are rejected fairly. Many are not — turned down on a technicality, a disputed clause, or an “exclusion” the policyholder had no way to anticipate. And here’s what the industry understands better than anyone: most people won’t fight back.
They won’t fight because the maths doesn’t work. A solicitor costs £250 an hour or more. The process is slow, opaque and stressful, and no one can tell you at the outset whether you’ll win or what you’ll get. Faced with a £1,500 rejected claim, no rational person hires a lawyer. So they accept the “no,” absorb the loss, and move on — and the insurer keeps money it likely owed.
This isn’t bad luck. It’s a system built so that “no” usually works. The rejection letter is designed to be the end of the conversation. SmarterClaims makes it the beginning.
A customer who’s been rejected simply tells SmarterClaims what happened, in plain English, and receives a complete rebuttal letter: the precise arguments, the relevant law, the policy wording, the precedents that force insurers to reconsider. Ready to send. £19.99 during the introductory period, money‑back guaranteed.
Why now: the expertise finally scales
What makes SmarterClaims different from any general AI tool is the expertise behind it. It runs on the battle‑tested playbook of Steve Smart, who spent 40 years inside insurance and the last decade using that knowledge to win claims back — recovering around £25 million by hand. That method has succeeded, case after case, for over ten years. What’s changed is reach: technology has taken a method that helped people one at a time and made it available to everyone, instantly, at a price anyone can afford. For a huge number of people who’d abandoned hope on money they were owed, that isn’t a marginal improvement. It’s the whole difference.
Steve didn’t learn how insurers say “no” from the outside. He spent 40 years on the inside, rising to run one of the biggest consumer insurance businesses in the country. He knows exactly how rejections are built. For the last decade, he’s used that knowledge for the other side: the consumer.
| Recovered | The excuse | What happened |
|---|---|---|
| £400,000 | “injuries not permanent” | A Royal Marine injured in action; the insurer argued his career‑ending injuries were temporary to pay a fraction. Steve secured virtually the full policy limit. |
| £175,000 | “under-insured” | A family lost their home’s contents in a fire; the insurer alleged under‑insurance to slash the payout. They recovered everything they claimed. |
| £80,000 | “damage excluded” | A second fire; a loss adjuster argued much of the damage was excluded. Paid in full. |
| £25,000 | “not a listed disease” | A physiotherapy practice forced shut in the pandemic; the insurer refused the business‑interruption claim. They paid. |
| £3,000 | underpaid write‑off | An insurer underpaid a driver after a crash that wasn’t her fault. Recovered in full — too small for any lawyer to touch, which is exactly the point. |
“I spent forty years on the insurer’s side of the table. I know exactly how the ‘no’ gets written — and exactly how to answer it.”
“Insurers aren’t betting your claim is invalid. They’re betting you won’t fight.”
“The rejection letter is designed to end the conversation. It should start one.”
“For the first time, AI isn’t being used for the insurer. It’s being used for you.”
“I could help one person at a time. Now the same playbook helps everyone.”
“They said my injuries weren’t permanent.”
Injured in action, James faced an insurer arguing his career‑ending injuries didn’t meet the policy’s definition of “permanent.” The rebuttal dismantled that using the policy’s own wording. He received virtually the full policy limit.
“They told us we were under‑insured.”
After a house fire destroyed the family’s contents, the insurer reached for one of the industry’s most common escape routes — alleging under‑insurance. The challenge proved the calculation wrong. The family recovered everything they claimed.
“They said it wasn’t a listed disease.”
When the pandemic forced her husband’s physiotherapy practice to close, the insurer refused the business‑interruption claim. The rebuttal held the insurer to the policy’s own terms. They paid.
Motor and travel case studies also available. Case‑study clients available for interview by arrangement.
We want to inform and educate readers. We could offer:
Steve, on the record, same‑day, on any insurance or consumer story — including how insurers are now using AI to assess and reject claims.
Working titles:
The real patterns behind rejections — the clauses insurers lean on, the seasonal spikes — from 40 years inside.
Human stories with verified outcomes, £3,000 to £400,000.
Anyone can check, free, whether a rejected claim can be challenged.
Steve answers your audience’s claim questions — podcast, webinar, or community thread.
SmarterClaims helps UK consumers overturn wrongly‑rejected insurance claims and get their money back. Customers describe what happened in plain English and receive a complete rebuttal letter with the arguments, laws and policy terms needed to challenge the decision. It runs on the 40‑year playbook of co‑founder Steve Smart, former CEO and General Counsel of AIG’s UK consumer business, which has recovered around £25 million (from £3,000 to £400,000 per case) over more than a decade. Powered by a proprietary legal‑AI platform, built on ISO 27001‑certified infrastructure. Live across the UK at smarterclaims.co.uk. Introductory price £19.99 (normally £49.99), money‑back guaranteed; free to check if you have a case.
SmarterClaims (smarterclaims.co.uk) helps people overturn wrongly‑rejected insurance claims and get their money back — without a lawyer. Customers explain what happened in plain English and receive a complete rebuttal letter citing the arguments, laws and policy terms that force insurers to reconsider. It runs on the playbook of co‑founder Steve Smart, former CEO of AIG’s UK consumer business, whose casework has recovered around £25 million over a decade. The knowledge to overturn a wrongful “no” always existed — it just never sat on the consumer’s side of the table. SmarterClaims changes that. Introductory price £19.99 (normally £49.99), money‑back guaranteed.
Everything below is available to download at smarterclaims.co.uk/press/assets.
smarterclaims is a service of Lexity.ai AG. Not legal advice, not a law firm, not a claims management company — smarterclaims publishes information and tools for UK consumers. Figures on this page may be quoted with attribution to SmarterClaims.