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ChecklistInsurance LawMedium
Insurance Claim Checklist
Insurance Claim Checklist for preparing documents, facts, dates, and questions connected to insurance law.
Time to prepare2-4 hours
Before you start
0/2 completedNeed help with this checklist?
Get support from a lawyer who works with insurance law matters.
Before escalation
0/2 completedOn consultation or complaint day
0/2 completedAfterwards
0/2 completedWhen It Applies
An insurer has delayed, reduced, rejected, or requested more information for a claim.
You need a document pack before speaking to an insurance lawyer, broker, ombud, or adviser.
Not For
- Financial advice, medical advice, or final cover interpretation without reviewing the policy and facts.
Documents
- Policy schedule
- Policy wording
- Premium proof
- Claim form
- Photos
- Invoices
- Quotes
- Police report
- Assessor report
- Medical records
- Repudiation letter
- Complaint reference
Timeline
- Immediately: notify the insurer and preserve evidence.
- Before escalation: collect policy, event, and claim records.
- During complaint: track references and responses.
- Before settlement: review release and final-payment wording.
Tips
- Read exclusions and notification duties.
- Keep all damaged-item evidence until told otherwise.
- Use written complaint channels.
- Ask before accepting full-and-final settlement terms.
Warning Signs
- The insurer says late notification applies.
- The rejection reason does not match your evidence.
- A release or settlement is marked full and final.
- The claim involves large loss, disability, death, business interruption, or fraud allegations.
Official sources
- Financial Sector Conduct AuthorityFinancial-sector conduct and regulatory context.
- National Financial Ombud SchemeFinancial ombud complaint-route context.
- Policyholder Protection RulesPolicyholder and insurance-claim handling context.
This checklist is for general information only and does not constitute legal advice.
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