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The big insurers most likely to reject your home insurance claim
Some of Britain’s biggest insurers are the least likely to pay out on home insurance claims, new data from the City watchdog shows.
Axa Insurance, Co-operative Insurance and LV= were among the five companies with the lowest acceptance rates for claims made against combined buildings and contents policies. All three paid out on between 80pc and 84.9pc of claims in the year ending August 2016, according to the Financial Conduct Authority.
By contrast, 17 of the 32 insurers scrutinised paid out on more than 90pc of claims. They included Aviva, Lloyds, Tesco and Zurich. Five companies paid out on between 97.5pc and 100pc of claims.
Axa and LV= were also among the 10 companies with the lowest "claim frequency" - the percentage of customers who make a claim on their insurance policy.
A spokesman for Axa said that when a company chose to log a claim had a significant impact on acceptance rates, and there was "no industry standard".
He said: "It is not clear whether a claim should be logged when the customer does not have cover in place. We record all claim incidents, regardless of repudiation. For the past year we have been very clear about acceptance rates during the quote process."
Claims acceptance rates among large insurers
Additionally, the data showed the average sum paid for successful claims, with some of the larger providers paying out three times more than others.
For instance, Lloyds paid out an average of £3,500-£3,999 for a home insurance claim, whereas Legal & General paid between £1,000 and £1,499.
These figures were significantly affected by the levels of cover taken out by each company's customers, however.
