Appeal a denied claim

Has your adjuster denied your claim because the terms of your insurance policy were not followed—that is, because of a breach of the contract?

If you don’t agree with your adjuster’s decision, here is what you can do:

1: Talk to your adjuster

Your adjuster may not be aware of information that could affect your claim.

2: Talk to your adjuster's manager

If after talking to your adjuster you are still not satisfied, ask to speak to the manager.

The manager can review the details of your denied claim.

If necessary, the matter may be referred to ICBC’s Claims Coverage Committee.

This committee can determine whether, in particular circumstances, a policyholder’s coverage applies. It also may consider a request for financial relief when a claim is denied due to a policy breach.

3: Dispute through the courts

If ICBC is unable to address your concerns, your next step is to dispute through the courts.

In all cases, Small Claims Court or Supreme Court has the final say. It could take as long as two years or more before your case goes to court. Find out more about court disputes.

Types of breaches

A claim can be denied for misrepresentations, committing certain offenses and convictions.

Find out more about the types of breaches that can cause a claim to be denied.