Claim stories
Real patterns behind denied and delayed claims
Anonymised case studies drawn from real complaints, with a Solvh analysis of what went wrong and how it was escalated.
Motor insurance
Motor Accident Claim Denied Over Video Evidence Dispute, Then Reversed After Escalation
A policyholder whose vehicle was damaged in a parking-lot collision had her third-party liability claim rejected after the insurer argued that CCTV footage showed no contact, but she persisted with her appeal and the insurer ultimately reversed its decision and paid in full.
Motor insurance
Motor OD Claim Rejected Without Physical Survey: When Remote Photo Assessment Goes Wrong
A policyholder's legitimate own-damage motor claim was summarily rejected after a remote review of photographs, with the insurer alleging the damages were unrelated to the reported accident and "accumulated in nature," despite no formal physical inspection ever being conducted.
Motor insurance
Motor Claim Stalled for Over a Month Because Insurer and Workshop Could Not Coordinate on One Technical Report
A policyholder's car sat at an authorised workshop for more than a month while the insurer waited for a single technical report from the manufacturer, and neither party took ownership of obtaining it.
Motor insurance
Motor Insurance Claim Partially Denied: Pre-Existing Bumper Damage Used to Reject Replacement
A motor insurance policyholder whose vehicle suffered significant rear-end damage in an accident had his bumper replacement claim rejected by the surveyor on the grounds of a minor pre-existing scratch, despite the new damage being clearly caused by the accident.
Motor insurance
Motor Insurance Claim Rejected for "Minor Pre-Existing Marks" on Bumper After Accidental Damage
A policyholder's motor insurance claim for a damaged rear bumper was rejected on the grounds of minor pre-existing marks, despite no prior claims history, and the authorised workshop charged an undocumented cash fee for a damage estimate.