Insurance claim denied: what to do when your insurer says no

When your insurer says no

In this case, there is no need to explain much: a picture is worth a thousand words.

The title reflects the feeling of many consumers who hire services from large banking and insurance companies in Spain. At the time of sale, everything is smiles, promises, and handshakes. They tell you not to worry, that they will never let you down, that you are a special client. Does that sound familiar?

What to do when your insurer rejects your claim

The real problem: contracts nobody understands

How many times have you signed a banking or insurance contract without truly understanding it?

Policies are endless documents filled with fine print, technical language that is hard to follow, and exclusion lists that seem never-ending.

When you ask questions, the answer is usually the same:

“Don’t worry, this comes from head office. It doesn’t really mean anything. We’re here to help you.”

When the claim happens, the story changes

When the moment of truth arrives, everything changes.

Suddenly, the insurer steps back. They tell you that if it were up to them, they would approve the claim, but headquarters is very strict. That it’s bad luck. That life is just like that.

Always with a polite smile.

What many policyholders don’t know

What is rarely explained is that a rejected claim does not mean you are wrong.

The law grants policyholders specific rights, even after the insurer has issued a negative response.

Knowing these rights completely changes your position when negotiating and claiming.

Learn about your rights as a policyholder

Fear of claiming and how it’s used against you

After paying hundreds of euros for your policy, you are often advised not to take legal action. The argument is always the same: the insurer has very powerful lawyers.

That fear works in the insurer’s favour.

David versus Goliath: why the battle is not lost

If this feels like a David versus Goliath situation, you are not alone.

What is rarely mentioned is that David won because he mastered his tool. It wasn’t luck.

At MataSeguros, we are that tool: the technical expertise that allows policyholders to face large insurers on equal footing.

The most common mistake: handling the claim poorly

When a claim is poorly managed from the start, the outcome is usually a low settlement, a partial payment, or an outright rejection.

How damages are documented, how expert reports are challenged, and how arguments are structured makes a huge difference in the final result.

Learn how to properly claim damages to homes and businesses

What we do differently at MataSeguros

These situations are common when a claim is not handled with a technical approach from the beginning.

At MataSeguros, we analyse each case as a whole, reviewing the policy, expert reports, and documentation to defend the policyholder’s interests when compensation does not reflect the real damage.