Decide Whether to Appeal an Insurance Claim Rejection

Your insurer has turned down a claim and you think they are wrong. Before you fire off an angry email, this works through the basis for the rejection, how strong your case really is, the evidence you would need, and the route to escalate. You get a sober read on whether to fight it and how to put the challenge.

<context>
Your insurer {INSURER} has rejected a claim and you believe the rejection is incorrect or unfair. You are deciding whether to challenge it and how.
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<task>
**Step 1: Understand the basis for rejection**
What specific policy exclusion, condition, or clause has the insurer cited? Is the rejection clearly supported by the policy wording?

**Step 2: Assess the strength of your challenge**
Do you have evidence that contradicts the insurer's stated reason? Is the policy wording ambiguous in your favour?

**Step 3: Map the escalation path**
Internal complaints process / Financial Ombudsman Service / Legal action. What are the timescales, costs, and realistic success rates at each stage?

**Step 4: Make a recommendation**
Challenge internally / Escalate to FOS / Accept the decision, with the key reason and the first step.
</task>

<output_format>
- A rejection basis analysis
- An escalation path map with timescales
- A recommendation with the first step
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