Disclaimer

Claims Decoded publishes general information about home insurance in the UK. It is not legal, financial or insurance advice, and it is not advice on any individual claim.

• Every policy is different. What your policy covers depends on its own wording, schedule and any endorsements. Always check your own documents.
• Nothing on this site creates any professional relationship between you and Claims Decoded or its writers.
• Claims Decoded does not act for policyholders or insurers and does not handle claims.
• Examples on this site are illustrative and invented. They don't describe real claims, real people or real companies.
• We work hard to keep guides accurate and current, but rules, regulations and market practice change. Where a guide refers to regulators or complaint routes (for example the Financial Ombudsman Service), check their own website for the latest position.

If you're unhappy with how your insurer has handled a claim, you can complain to the insurer first and, if that doesn't resolve it, to the Financial Ombudsman Service, which is free to use.