Resources

Know your policy. Win your claim.

Practical guides on UK consumer insurance disputes — written by people who spent forty years inside the industry.

Latest guides
Guides10 Sep 2026
Act of God in Insurance: Challenging a Weather Claim Refusal

Insurers rarely use the term Act of God. Find out how UK policies define storm damage, why claims are refused for wear and tear, and how to challenge them.

smarterclaims team13 min read
Guides3 Sep 2026
How to Make a Travel Insurance Lost Luggage Claim

Learn how to make a travel insurance lost luggage claim, what evidence you need, airline liability rules, and how to challenge a refused claim.

smarterclaims team9 min read
Guides1 Sep 2026
How to File a Travel Insurance Medical Claim

Understand how to file a travel insurance medical claim, the evidence required, and how to challenge a refused claim using UK consumer insurance rules.

smarterclaims team10 min read
Guides27 Aug 2026
How Long Does a Travel Insurance Claim Take?

Understand standard filing limits, the reasons insurers delay payouts, and what steps to take if your claim is stalled or refused.

smarterclaims team8 min read
Guides25 Aug 2026
How to Challenge a Refused Travel Insurance Cancellation Claim

Learn what your policy actually covers, how to decode common insurance exclusions, and the steps to challenge a rejection using UK consumer rules.

smarterclaims team8 min read
Guides23 Aug 2026
What to Do If Your Travel Insurer Rejects Your Pre-Existing Medical Condition Claim

Has your travel insurance claim been refused for a pre-existing condition? Learn what actually counts under UK consumer rules and how to challenge the decision.

smarterclaims team10 min read
Guides23 Aug 2026
How to Make a Claim on Your Travel Insurance

A practical guide to claiming on your travel insurance. Learn what evidence you need, the deadlines involved, and how to avoid common refusal traps.

smarterclaims team9 min read
Cheatsheets21 Aug 2026
How to fight Fires and Storms claim rejections easily

A plain-English guide to fighting fire and storm insurance claim rejections in the UK — the definitions, the traps, and how to challenge a refusal.

Steve Smart11 min read
Cheatsheets16 Aug 2026
The UK Consumer Insurance Claim Rejection Cheatsheet

What to do when your claim gets refused — a plain-English guide based on 40 years' experience inside the industry.

Steve Smart9 min read
Guides6 Jul 2026
Why Insurance Claims Get Refused (and How to Overcome Excuses)

Did your insurer refuse to pay? Discover exactly why insurance claims get rejected and learn the structural steps to push back without a solicitor.

smarterclaims team10 min read
Guides6 Jul 2026
What To Do If Your Insurance Claim Is Stalling

Stop the runaround. Learn exactly what to do if an insurance company is stalling your claim, how to trigger the 8-week rule, and when to escalate.

smarterclaims team10 min read
Guides6 Jul 2026
How to Dispute a Rejected Insurance Claim

Has your insurance claim been refused or undervalued? Learn the exact steps to decode your refusal letter, gather evidence, and build a strong rebuttal.

smarterclaims team13 min read