This is a letter that can be used to reject an insurer's offer when the policyholder's property has sustained damage or has been lost.
The document provides a simple template that enables a person to set out the key facts that are required to request that the insurers reconsider their offer.
In order to reject an insurer's offer in relation to a car insurance claim, please refer to our letter called "Letter to Reject Car Insurer's Offer". For other insurance matters, we also have a number of general letters available, including "Letter of Further Evidence After Insurer's Rejection of Claim" and "Letter to Complain About Insurer's Rejection or Delay of Claim".
How to use this document
Once the document has been completed, simply post it to the insurers, and wait for them to respond. If the insurers do not respond within 14 days it may be necessary to consider further action with the financial ombudsman service, or legal action (such as in the small claims court).
The letter should be sent as soon as possible after the offer to be rejected was made but in any event, before commencing any action in court.
In order to prove that the letter was sent, the sender may wish to send it by registered post, or keep a receipt or other proof of posting.
Moreover, the sender may wish to obtain and enclose an independent valuation to support the claim for a higher valuation.
The relationship is subject to the principles of contract law and insurance law.
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