Many people take out insurance policies to protect against risk.

Insurance gives us peace of mind that in the event of a calamity, we’re covered for financial loss.

But what happens when a company won’t pay out?

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The most common forms of insurance include motor, travel, pet, mobile phone and gadget, wedding, home contents and buildings insurance.

When something goes wrong, you need to make a claim either online or by telephoning your insurer.

They will often pass the claim to a claims handler who will want to see relevant evidence and receipts.

The company will then make a decision whether to cover or decline the claim.

Before submitting a claim, it’s worth looking at your policy document to make sure you’re covered and don’t fall foul of any........

© Evening Times