First steps after a rejection
Read the insurer’s reasons carefully and check them against your policy wording and the evidence you supplied. Many rejected claims are overturned after a factual reply with supporting documents such as medical certificates, receipts, and airline records.
Escalating a dispute
If you remain unhappy, use the insurer’s formal complaints process, then take the case to the Financial Ombudsman Service. Keep a record of every communication and note any decision timelines in the insurer’s final response.