Fees & Charges

Appeal a denied insurance claim:

If you have had an insurance claim rejected, you may want to use our service to make an appeal. We offer a ‘No Win No Fee’ service which means that if we are not successful in appealing your claim you won’t pay any fee. We can help with rejected claims under:

  • Critical Illness Insurance
  • Life Insurance
  • Terminal Illness Insurance
  • Serious Illness
  • Income Protection

When appealing a rejected insurance claim, we input a significant amount of resource. The average claim takes us (from start to finish) 120 hours of work on top of obtaining medical reports/opinions and conducting thorough research to ensure your insurance complaint has the best chance of success. As we invest large amounts of resource, we also take on a burden of risk should your claim not be successful. As such our fees are structured to ensure that we provide the highest service possible.

We will also pursue interest (normally at 8%) and compensation for your rejected claim. This can often help offset our fees. For example, if you had a £200,000 Critical Illness claim that had taken 16 months to pay-out, we would aim to secure a payment of £221,000 plus compensation, meaning you would receive around £180,000.

Our Fees are Inclusive of VAT:

Table 1 – Appeal Fees

Standard Fee Cost per £10,000 Example
24% £2,400 £150,000 Pay-out would mean you would pay £36,000 in fees
£300,000 would mean you pay £72,000 in fees
£500,000 pay-out would mean you pay £120,000 in fees

It is possible that your claim may fall under two areas of charging. For example, we may claim against the insurance company and the broker that sold the policy. We would then charge a percentage of the amount received from the insurance provider and a different percentage against the broker.

Helping to Claim on your Insurance:

This service is for customers who would like support while claiming on either Life Insurance, Critical Illness, Terminal Illness, and Income Protection* insurance.

The service includes managing every aspect of your claim from submitting the claim, engaging with the insurance company and arranging payment. The fee is normally based on the value of the policy (a percentage of the pay-out on a no win no fee basis) although we do offer an upfront service.

Our fees are (all including VAT):

Table 2 – Helping to Claim Fees

Claim amount Percentage charged Fee per £10,000 Upfront fee (optional)
Below £9,999 15% £1,500 £1,000
£10,000 to £49,999 12.5% £1,250 £1,000
£50,000 to £99,999 6% £600 £2,500
£100,000 to £199,000 4.5% £450 £3,500
£200,000 to £349,999 3% £300 £5,000
£350,000 to £499,000 2.5% £250 £5,000
Over £500,000 1.5% £150 £5,000

If you use this ‘Helping to Claim’ service to make a claim on your insurance policy and it is then rejected, we would then discuss the option of pursing an appeal against the decision. If you opted to appeal, you would receive a 50% discount on our fees (outlined in table 1)**.

*For Income Protection claims the fee is based on 12 months of monthly pay-out.

** If we agree to take on the appeal.

Mis-Sold Insurance Policies

The FCA have recently brought in a fee cap in relation to claims management activities. This relates to any mis-sold financial service product, including but not limited to: mis-sold pensions, mortgages, insurance, and investments. You don’t have to use a CMC to make a claim. It's often possible to claim compensation yourself. The process for claiming compensation differs depending on the type of claim you are making.

Band Lower (£) Upper (£) % Max fee Example 1 (pay out) Example 2 (pay out)
1 £1 £1,499 30% £420 £500 pay out £150 fee £1,450 pay out, £420 fee
2 £1,500 £9,999 28% £2,500 £3000 pay out, £840 fee £9,850 pay out, £2,500 fee
3 £10,000 £24,999 25% £5,000 £15,000 pay out, £3,750 fee £23,000 pay out, £5,000 fee
4 £25,000 £49,000 20% £7,500 £35,000 pay out, £7,000 fee £48,000 pay out, £7,500 fee
5 £50,000 NA 15% £10,000 £60,000 pay out, £9,000 fee £100,000 pay out, £10,000 fee

It is possible that your claim may fall under two areas of charging. For example, we may claim against the insurance company and the broker that sold the policy. We would then charge a percentage of the amount received from the insurance provider and a different percentage against the broker.

Get In Touch

If you have been declined while trying to claim on a life insurance, critical illness, or income protection policy then we can help. We also help with all other financial service complaints, for example, mis-sold pensions and insurance cover.

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