What happens if an insurance claim is declined?

If an insurance claim is declined, the insurer will notify Blackfinch of the outcome and explain the reasons for the decision.

If the beneficiary wishes to challenge the decision, the insurer will review the claim if any new supporting evidence is provided. A final response will normally be issued within three months, either confirming the claim or explaining why it has been declined.

If the beneficiary remains dissatisfied after receiving the final response, they may be able to refer the complaint to the appropriate independent dispute resolution process, such as the Channel Islands Financial Ombudsman (CIFO) or independent arbitration, within the applicable time limits.