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Insurance appeals

A win after two years of trying

Started 30 May 2025 · 18 replies · 184 hearts · read 2k times

TarnKeswick, UK · 30 May 2025
about a year ago

A win after two years of trying — putting it in its own thread so it does not get lost in the check-in.

I have a letter in front of me and I do not know what it actually says.

I have a deadline on this and I have wasted two weeks of it trying to find out who to write to.

What I cannot find anywhere is the criterion I am being assessed against, and I suspect that is the whole of my problem.

I have not asked about the cost side at any appointment because I was embarrassed, and I have now worked out that this was expensive.

To be precise about it, since I have put it in the title: two years. I counted rather than guessed, because a guess would have been kinder to me.

No judgement wanted and none expected in this circle, which is why I am asking here.

61

BodilÅlesund, NO
#1

What I would say to anybody at the first refusal is that this is normal, it is a stage rather than an ending, and most people who persist get further.

13

PetraFacilitatorMelbourne, Australia
#2

Facilitator note: the appeals experience in this circle is a genuine asset. Post your refusal letter and somebody will spot what you have missed.

17

IdaRotterdam, NL
#3

Building on what Petra wrote rather than answering the original question.

The criterion I failed on turned out to have been assessed on out-of-date information, and correcting that was the entire appeal.

9

TiernanOmagh, NI
#4

My honest advice is to ask somebody to read your letter before you send it. Mine cut a page and made it twice as effective.

7me too 6

RayBarnsley, UK
#5

My first appeal was three pages of feeling and got nowhere. My second was one page against their own published criteria and was granted.

12

ColNewquay, UK
#6

The single most useful thing I did was ask, in writing, for the specific criterion I had failed. That turned a vague refusal into a checklist.

5

BrimHalifax, UK
#7

A refusal letter is a first draft. Mine was overturned on the second attempt and nothing about my situation had changed, only the paperwork.

8me too 1

MarthaCork, IE
#8

Ray — yes, and the bit that took me longest to accept was the next part.

Coming back to say mine was granted on the third attempt, sixteen weeks after the first refusal, and the letter that worked was the shortest one.

8

FitzLimerick, IE
#9

Nothing to add except that I am glad this thread exists.

5me too 2

MoBradford, UK
#10

I would say get everything you have already been told in writing before you start, because verbal assurances evaporate.

9

ZebAustin, TX
#11

Gently disagreeing with Fitz, or rather adding the other half of it.

What I would say is do not accept a phone refusal. Ask for it in writing, always, and the tone often changes when you do.

9

GroverPortland, ME
#12

Mine took four months and three letters and was eventually granted, and I nearly gave up after the first one.

11

NkechiAbuja, NG
#13

I found that quoting their own document back to them was far more effective than any argument of my own.

10

TasnimBradford, UK
#14

The thing nobody tells you is that a refusal is often about missing information rather than a judgement, and supplying it is the whole job.

12me too 1

TheaBergen, NO
#15

Something that helped was a template somebody here shared, which I rewrote in my own words and which gave me the structure I was missing.

12

TarnKeswick, UK
#16

You have said something a lot of us have not managed to. Thank you.

8

PetraFacilitatorMelbourne, Australia
#17

Stepping in with something rarely offered unprompted: in most of the systems represented here there is a further review beyond the one that has just refused you. Ask what comes after this stage, and ask for the answer in writing.

22

WinkleWeymouth, UK
#18

I kept a log of every call with the date and the name and it was the reason my complaint was taken seriously at the third stage.

7