Meet your adversary
Mr X has been declining claims since 1987.
He runs a quiet desk in a UK claims department. He doesn't hate you. He just has a target, a clause book, and a stack of refusal letters that started building when you were at school.
60-second start · pay only if you submit · £4.99 launch price
His three favourite tricks.
None of these are illegal. They're all in the policy wording you didn't read at 11pm when you bought it. Knowing them means he doesn't get to spring them on you.
- 1.
“Your photos aren’t clear enough.”
He hopes you didn’t read the small print about evidence quality. ClaimPilot flags every shot that would fall short of the insurer’s documented standard — before you submit.
- 2.
“You notified us 49 hours after the incident — our policy required 48.”
The clock starts the moment the incident happens, not the moment you noticed. ClaimPilot cross-checks every date and time against your insurer’s notification window.
- 3.
“Your description doesn’t match the police report.”
He compares word-by-word. ClaimPilot does the same comparison first and reconciles the wording before he gets the chance.
A short history of Mr X.
1987
Mr X joins the industry. Claims-handling is paper, slow, and adversarial.
2005
He moves to a UK insurer that pays handlers a bonus based on “loss-ratio improvement”.
2019
FCA finds widespread evidence of low first-decision pay-out rates across home insurance.
Today
The same playbook still works on customers who never challenge the wording.
How ClaimPilot reads a claim the way he would.
4 reviewers · 1 arbitrator
A fraud critic, a coverage critic, a documentation critic and an arbitrator — each running on a different best-in-class model — pass over your claim before it's ever submitted.
Insurer-specific patterns
We carry a knowledge base of the rejection patterns each major UK insurer leans on. Your review is tested against the ones that match yours.
Cited evidence
Every suggestion quotes the clause it's acting on. You see the policy text Mr X would use against you — and the fix that pre-empts it.
PDF report · 60-page format
A score out of 100, the issues that hurt the most, the strengths to lean on, and a step-by-step action plan to push the score up before you hit Submit.
Beat Mr X before he ever sees your claim.
Free to start. Pay only if you decide to submit the polished version.
Check your claim — free →£4.99 launch price (RRP £9.99). UK-hosted. We don't sell your data.