ClaimPilot

Claim refused? Or worried it will be?

Mr X can decline your claim with only one objection.

Check your UK insurance claim before you submit — AI rejection-risk review in minutes, for £2.99.

UK claims adjusters reject more than 1 in 5 home insurance claims. Most refusals stand because the customer never challenges the wording. ClaimPilot reviews your claim the way Mr X would — before he sees it.

1 in 5UK home insurance claims declined annually — ABI data

Buying a new policy instead? Score it at policychecker.uk →

Mr X seated at a tired desk piled with refusal letters.

Insurers can decline a genuine claim over a single technicality.

A missing receipt, a late notification, a photo that’s too dark — small gaps that sink valid UK claims. ClaimPilot finds them while you can still fix them.

How it works

See your claim the way your insurer will.

The same simple process whether you're scoring a policy or a claim.

01

Describe your policy or claim

Answer a few guided questions about your insurer, your cover and your situation. No jargon.

02

Our AI checks it against the market

We compare against your insurer's known patterns and the universal traps that sink UK claims.

03

Get a scored, actionable report

A clear 0–100 score, every weakness ranked by severity, and exactly what to fix.

When you're making a claim

One technicality can sink a genuine claim.

  1. 01

    Tell us about your claim

    Answer a few guided questions about your policy, the incident and the damage — then upload your photos and documents.

  2. 02

    We check it against your insurer

    Our AI reviews everything against your insurer's known rejection patterns and the universal traps that sink UK claims.

  3. 03

    Get your scored report

    A 0–100 score, every weakness we found, and exactly what to fix — so you submit your claim with confidence.

Check my claim · £4.99

Sample claim report

Aviva · Motor claim

Needs work

Incident reported 5 days late

Aviva expects notification within 48 hours.

Damage photos are underexposed

Dark or blurry photos can be flagged as suspicious.

Policy and vehicle details match

No discrepancies against your policy schedule.

What we cover

Every UK policy has a trapdoor. We mapped them all.

Motor, home, travel, pet and contents — each reviewed against its own rejection intelligence, whether you're choosing a policy or submitting a claim.

Motor insurance

Accidents, theft, windscreen and fire — checked against telematics and disclosure traps.

Home insurance

Escape of water, storm, subsidence and accidental damage — checked for wear-and-tear pitfalls.

Travel insurance

Cancellation, medical, baggage and delay — checked against disclosure and receipt rules.

Pet insurance

Illness, injury and treatment claims — checked for pre-existing and waiting-period exclusions.

Contents insurance

Theft, loss and damage — checked against single-item limits and proof-of-ownership gaps.

Why people trust ClaimPilot

We're not guessing — here's how we know.

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UK insurers mapped

Every major provider across motor, home, travel, pet and contents.

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Rejection patterns catalogued

Sector-specific traps researched from real UK insurer claim-handling behaviour.

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Personal-line sectors

Full coverage: motor · home · travel · pet · contents.

Data & security commitments

Encrypted in transit

TLS everywhere. Your claim data is never sent unencrypted.

UK-based infrastructure

Processed and stored on AWS eu-west-2 (London).

Never sold or shared

Your data is yours. We do not sell, share or resell it.

Right to deletion

Request full deletion at any time — no questions asked.

Two threats. Two defences.

Pick your fight.

Claim Review is here. Policy scoring lives at its own sister brand.

Beats Mr X

AI Claim Review

£4.99

RRP £9.99 — 50% launch offer

  • ✓ 4-pass expert AI review (fraud, coverage, documentation, arbitrator)
  • ✓ Insurer-specific rejection patterns
  • ✓ Cited, source-quoted suggestions
  • ✓ PDF report + email
Beat Mr X — £4.99 →

Outsmarts Miss Y

Policy Checker

£2.99

Includes deep upgrade

  • ✓ 60-second policy score
  • ✓ 15 persona lenses — see who this policy actually fits
  • ✓ Exclusion red-flags surfaced
  • ✓ Excess + small-print scan
  • ✓ Better-alternative recommendations
Outsmart Miss Y at policychecker.uk →

Claim packs

Buy credits upfront and save — use them any time within 12 months. An account is required.

£9.99

3 claim checks — £3.33 each

£19.99

10 claim checks — £2.00 each

Questions

Everything you're about to ask.

Don't hand your insurer a reason to say no.

Whether you're buying cover or submitting a claim, two minutes now beats weeks of back-and-forth later.

ClaimPilot is a claim-preparation tool, not a claims management company. You remain in full control of your claim at all times.

ClaimPilot — Check your insurance claim before you submit