Consumers · Insurer refuses to pay

Check your insurer's refusal to pay

Check the reasons for the refusal against the policy terms – with a letter of objection.

Get started – 10 free credits →All use cases

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Quick check: what should you do?

3 short questions — no sign-up required.

Letter received on

Is the loss above €10,000?

Have you been accused of breaching an obligation under the policy?

Has the insurer also terminated the policy?

Deadline at a glance

depends on the policy

Contractual (§ 12 Abs. 3 VVG abolished)

Deadlines follow from the policy. For limitation, the standard 3-year period applies (§ 195 BGB).

It is an AI, not a person: nobody looks at your individual case, and we do not know who signs up or for what reason. That is why we give pointers, but no legal advice on the individual case. Guidelines and playbooks in the platform are only guardrails: the AI relies on the available sources and your information. AI can make mistakes — check important results, and if in doubt, ask a lawyer.

What you can do here in 5 minutes

Insurers often refuse across the board with standard reasons. A check against the policy terms and conditions often reveals losses that are covered.

Upload the refusal + the policy – our AI tools check cover and exclusions and write the objection / complaint.

How it works

Results in three steps

Upload your documents

Letter of refusal, policy, claim notification if applicable.

Review

Scope of cover, exclusions, breach of obligations (Obliegenheitsverletzung), case law of the Federal Court of Justice (BGH).

Objection

An objective letter with specific references to the policy terms.

What you get

Upload your documents – Letter of refusal, policy, claim notification if applicable.
Review – Scope of cover, exclusions, breach of obligations (Obliegenheitsverletzung), case law of the Federal Court of Justice (BGH).
Objection – An objective letter with specific references to the policy terms.

What it is not