Letter to Reject Insurer's Offer to Settle Claim

This is a letter that can be used to reject an insurer's offer when items of the policyholder's property has sustained damage or 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 insurer's reconsider their offer based on a higher valuation.

How to use this document

Once this document has been completed simply post it or email it to the insurers, and wait for them to reply. If they do not reply within 14 days, the policy holder may wish to consider further action with the financial ombudsman or 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, it may be prudent to send it by recorded delivery, keep a receipt, or other proof of posting.

Moreover, it may be helpful to obtain and enclose an independent valuation to support the claim for a higher valuation.

Applicable Law

The relationship is subject to the principles of contract and insurance law.

Help from a lawyer

You can choose to consult a lawyer if you need help.

The lawyer can answer your questions or help you through the process. You will be offered this option when you complete the document.

How to modify the template

You fill out a form. The document is created before your eyes as you respond to the questions.

At the end, you receive it in Word and PDF formats. You can modify it and reuse it.