Your insurer rejected your claim and you think they are wrong.

Your claim got knocked back and the rejection letter cites a clause you are fairly sure does not apply. This drafts a formal appeal that quotes the relevant policy wording, states exactly why the refusal is wrong, and asks for the decision to be reviewed. Good for anyone staring at an insurer's no who refuses to just accept it.

Write a formal appeal letter challenging my insurer's rejection of my claim. The policy is with [insurer name], policy number [policy number]. I claimed for [describe the loss or damage] on [date]. The insurer rejected the claim citing [their stated reason or exclusion clause]. I dispute this rejection because [my grounds for dispute]. The letter should: quote the relevant policy wording back at them, state why the rejection is incorrect, request a senior review and written explanation within 14 days, and note that I will escalate to the Financial Ombudsman Service if unsatisfied. Tone: confident and specific.