Fenchurch Law are specialists in acting for policyholders in situations where an insurer has refused to provide cover. Our unique position and background within the London insurance market enables us to provide specialist coverage advice to all types of clients in order to ensure the best possible commercial result is achieved.
We have successfully obtained millions of pounds in insurance settlements for our clients in relation to disputes arising under numerous different types of insurance policies including:
- Professional indemnity insurance
- Contractors’ all risks insurance
- Public liability insurance
- Property/Material damage insurance
- Business Interruption insurance
- Sports personal accident insurance
- Health insurance
This list is not exhaustive so please do not hesitate to contact us with any insurance coverage issue that you may have. If we are not able to assist, we will tell you.
Before we can take steps to pursue your claim, we’ll need to review the relevant documents and, usually, have a meeting with you, so that we can tell you whether we think we can help you and, if so, so that we can advise you about the best way forward.
To give you cost certainty, we carry out those preliminary steps for a fixed fee, based on how much time you’d like us to spend considering your position and advising you about the best way forward. Alternatively, if you have an insurance broker, we’ll carry out those preliminary steps for free, and you’ll only start paying for our time once we begin to pursue your claim for you. If you have an insurance broker please just ask them to contact us on your behalf.
If you do instruct us to pursue a claim for you, the first thing we’ll do is write a detailed letter to your opponent explaining your position, and explaining how you propose to resolve the dispute.
Depending on your opponent’s response, it may be possible to work towards the settlement of your claim from that point onwards. That will usually involve exchanging documents and information, so that you and your opponent can take an informed view about how the dispute can be resolved on a basis that is commercially acceptable to both of you.
However, if you and your opponent’s positions are too far apart after the initial exchange of correspondence then it may be necessary to issue formal proceedings, usually before a Court, but sometimes before an arbitrator.
Once proceedings have been issued, the Court or the arbitrator will set a timetable to bring the dispute to a final hearing, which will usually involve exchanging formal statements of case, and then exchanging relevant documents, witness statements, and expert evidence.
Settlement negotiations can happen at any time during that process. But if your dispute still hasn’t been settled by the time you reach that point, then there will be a final hearing to decide whether or not to uphold your claim.