Your insurance claim was rejected. What now?

A rejection does not automatically mean the insurer is right, but it also does not mean the claim will still be paid. The first step is understanding why the claim was rejected.

Consumers and expats trying to understand a rejection or partial payout. · Updated: 2026-06-12

1. Understand the reason for rejection

Rejections often involve coverage, exclusions, inherent defect, wear and tear, late reporting or insufficient evidence. Ask the insurer to point to the specific policy condition behind the rejection.

2. Collect evidence before responding in detail

Photos or videos of the damage and cause.
Receipts, maintenance proof or warranty documents.
Repair quotes, repair reports or expert reports.
All emails and letters from the insurer.

3. Choose your next step

Ask for clarification

If the rejection is vague, first ask for a concrete policy reference and factual explanation.

Object to the insurer

Respond calmly, factually and with evidence. Explain why you think the policy condition should be read differently.

Consider complaint routes

If you cannot resolve it, check the insurer's complaint procedure and suitable external dispute routes.

Frequently asked questions

Does an insurer need to explain why my claim was rejected?

Yes, you can expect a clear explanation, including a reference to the relevant policy conditions.

Can PolisMoment solve my rejected claim?

No. PolisMoment does not handle claims and does not give legal advice. We can help with a later policy check through one independent advice firm.

This page gives general information and is not legal advice or personal insurance advice.