home insurance claim

Insurance excess applied incorrectly

Insurance excess applied incorrectly

UkFixGuide Team
January 29, 2026

If an insurer has taken the wrong excess, the quickest route is a written calculation request followed by a formal complaint and escalation if needed. Clear policy pages and a settlement breakdown usually unlock a correction.

Insurance excess dispute

Insurance excess dispute

UkFixGuide Team
January 13, 2026

If your insurer is demanding the wrong excess, treat it as a formal complaint and ask for a written breakdown tied to your policy schedule. If it isn’t resolved, escalate to the Financial Ombudsman after the insurer’s final response or 8 weeks.