Claim Success Story: Asking the Right Questions Saved £36,088.29

In the world of claims handling, attention to detail can make all the difference, and in this recent case, it certainly paid to ask questions. This success story highlights the vital work our experts and partners carry out behind the scenes to safeguard our policyholders’ incurred positions while ensuring a fair and evidence‑based settlement.

The Claim

The case began when our insured vehicle reversed into a driveway and collided with a set of wooden gates. Following the incident, the third party submitted a claim totalling £49,534.29. This included:

• Temporary securing of the property
• Repairs to the damaged gates
• One month’s rent for a replacement unit
• Business interruption losses

At face value, this was a significant claim, but our team quickly recognised that not all aspects of it were sufficiently supported.

Investigating the Business Interruption Claim

Our handler identified a clear lack of evidence relating to the business interruption portion of the claim. Given the size of the losses being put forward, it was essential to ensure that each element was genuine, justified and properly documented.

To validate the alleged impact on the business, we requested further evidence from the third party. This included proof of interruption, financial documentation, and any records demonstrating how operations were affected by the damaged gates.

However, the third party was unable to provide or substantiate this part of the claim.

The Results

Because the business interruption losses could not be evidenced, they were removed from the settlement - resulting in a significant saving of £36,088.29.