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Insurance Law Advocacy and Representation in Pakistan & UK

Dealing with insurance companies can be frustrating, especially when legitimate claims are denied or undervalued. Our insurance law team fights to protect your rights and ensure you receive the coverage and compensation you deserve under your insurance policies in both Pakistan and the United Kingdom.

Our Insurance Law Services:

  • Insurance Claim Assistance: Comprehensive support in filing and pursuing health, life, property, vehicle, and business insurance claims in Pakistan and UK
  • Claim Denial Appeals: Challenging unfair claim denials and negotiating with Pakistani and UK insurance companies for rightful settlement
  • Policy Review & Interpretation: Analyzing insurance policies under Pakistani Insurance Ordinance and UK insurance regulations to clarify coverage and your rights
  • Bad Faith Insurance Claims: Taking legal action against insurers who act in bad faith by unreasonably denying, delaying, or undervaluing claims
  • Cross-Border Insurance Issues: Handling claims involving international coverage, travel insurance disputes, and policies covering assets in multiple countries
  • Professional Indemnity: Assisting professionals with PI insurance claims and defending coverage disputes in both jurisdictions
  • Reinsurance Disputes: Representing clients in complex reinsurance matters and international insurance arbitration
  • UK Insurance Regulation: Guidance on FCA (Financial Conduct Authority) regulations and compliance for insurance matters

Insurance policies are meant to provide protection and peace of mind, not additional stress. When insurance companies in Pakistan or the UK fail to honor their obligations, we step in with aggressive representation and proven strategies to hold them accountable.

Whether you're dealing with a denied claim in Pakistan, UK insurance disputes, or cross-border coverage issues, our insurance law attorneys are here to level the playing field and fight for your interests.

Frequently Asked Questions

It depends on your specific policy terms. Many UK insurance policies (particularly travel, health, and life insurance) provide international coverage, but geographic limitations vary. Review your policy documents carefully - some exclude certain countries, have limited coverage periods abroad, or require notification. Travel insurance typically covers temporary visits, but permanent relocation may void coverage. For vehicles, UK motor insurance generally only covers EU travel, not Pakistan. We can review your UK policy to determine Pakistan coverage and advise on obtaining supplementary insurance in Pakistan if needed to ensure complete protection.
You have several options depending on whether the denial was in Pakistan or UK. First, request a detailed written explanation of the denial. In the UK, you can complain to the insurer, then escalate to the Financial Ombudsman Service if unsatisfied - this is free and binding on insurers. In Pakistan, you can appeal to the Insurance Division of SECP. We can: review your policy to identify coverage arguments, gather supporting documentation and expert opinions, negotiate with the insurer for reconsideration, file formal complaints with regulatory authorities, or pursue litigation if necessary. Many claim denials are overturned with proper legal representation.

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Contact Us

Please fill in the following form to contact us quickly.

  • info@citizenlawassociates.com
  • +92-42-99214245
  • Lahore Office: 4-5 First Floor, Al-Useed Center, 6-Fane Road, Opposite Best Western Hotel, Lahore, Pakistan

    London Office: Cranbrook House, Suite 3A, 61 Cranbrook Road, Ilford, London, IG1 4PG, UK

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