Back to all resources

Top five tips to improve your insurance claims

Do you think that insurance is a waste of time because insurance companies will probably reject your claim? Over the past couple of years, our legal partner Qdos has handled over 150 claims under the commercial legal expenses insurance provided as part of most FPB membership packages. Here, they give you an insight into what you can do to improve your chances of a claim being accepted.

Like this resource?

Become a member for access to more resources and benefits.

Learn more

Do you think that insurance is a waste of time because insurance companies will probably reject your claim? Over the past couple of years, our legal partner Qdos has handled over 150 claims under the commercial legal expenses insurance provided as part of most FPB membership packages. Here, they give you an insight into what you can do to improve your chances of a claim being accepted. 1. Seek advice When a dispute occurs or, even better, before a potential dispute occurs, call the FPB's advice line on 0845 130 1722 to be put in touch with a specialist legal adviser. Not only is it a requirement of our insurance for any employment dispute, it is the biggest reason for claims being turned down! 2. Follow advice Merely taking the time to contact and listen to advice doesn't qualify you for cover under the insurance. The advice given must be followed to the letter. Whilst this may seem pedantic, the altering of even one word in a letter can render a claim to be automatically unfair in relation to an employment dispute. Plus, the prospects of success of your claim can diminish to below reasonable if pursuing or defending civil litigation proceedings. If you are unsure whether you are following the advice correctly, always speak to a legal adviser. Some cases are of a complex nature, and a consultancy visit may be advised in order to manage an issue on your behalf. 3. Prospects of success This is the term that often causes the most confusion. If a claim does not have reasonable prospects of success, then it can not be supported under the insurance. By following the two points above, a claim will most likely have prospects of success as the correct advice will have been provided and followed. Where advice is not sought and followed, the chances of a claim having prospects of success diminishes. This might seem to be an easy get out for the insurer, but it is a condition of the insurance put in place to ensure that the insured are compliant in trying to mitigate the loss and adhering to the terms and conditions of the policy. Ask yourself, what would you do faced with the decision to pay a solicitor £150 an hour when they are not confident of winning? The insurance reflects this decision-making process and it does not remove the requirement placed on the insured to be ACAS compliant. 4. Don't delay If you are in doubt about making a claim, err on the side of caution and do so. We can hold a claim as pending as long as required. It is extremely hard to accept a claim and provide cover when a statutory response limit is impending or the case has already progressed significantly. 5. Finally, don't go spending! A common misunderstanding is that the commercial legal expenses insurance pays out retrospectively, like other insurances do, after the event that has lead to the claim has occurred. Any fees incurred by you for your representation must be agreed in writing before hand. You pay for the insurance so make sure we return the favour! About the author Pete Willcocks is Claims Manager at Qdos Broker & Underwriting Services Ltd. Qdos provide our 24-hour legal helpline and legal expenses insurance and comprehensive business insurance packages.

×