Insurance Claims and Underwriting Non-Reliance Letter Template (UK)

Protect insurers, underwriters, brokers, and commercial counterparties with our professionally drafted Insurance Claims and Underwriting Non-Reliance Letter Template (UK). This template is designed to establish clear boundaries of reliance in insurance-related transactions, confirming that parties do not rely on specific statements, assessments, reports, or underwriting opinions outside the agreed contractual and policy framework.

This UK insurance non-reliance template is particularly suited to insurance claims handling, underwriting assessments, risk evaluations, policy negotiations, and broker communications, helping to limit liability and reduce the risk of misrepresentation or reliance-based disputes in regulated insurance environments.

Why Choose This Insurance Claims and Underwriting Non-Reliance Letter Template?

Secure Insurance and Risk Transactions

Clearly defines which statements, underwriting opinions, risk assessments, or claims-related communications are not relied upon, reducing exposure to disputes and regulatory scrutiny.

Comprehensive & Legally Robust

Includes carefully drafted non-reliance provisions, acknowledgements, disclaimers, and liability limitations tailored for insurance and underwriting contexts.

Professionally Drafted

Reflects solicitor-style drafting suitable for insurers, underwriters, brokers, claims handlers, and legal advisers operating in regulated insurance markets.

Fully Customisable

Editable format allows inclusion of policy details, claim references, underwriting scope, parties, and exclusions from reliance.

Time and Cost Efficient

Avoid costly bespoke drafting while maintaining legally credible and commercially sound documentation.

Who Should Use This Template?

• Insurance companies and underwriting firms

• Insurance brokers and intermediaries

• Claims handlers and loss adjusters

• Corporate policyholders and insured parties

• Solicitors and legal advisers advising on insurance matters

Key Features Included

• UK-compliant insurance claims and underwriting non-reliance clauses

• Definitions of parties, policies, claims, and underwriting scope

• Acknowledgements of independent assessment and decision-making

• Exclusion of representations and underwriting opinions

• Limitations of liability provisions

• Governing law and jurisdiction clauses (UK-ready)

• Signature and execution blocks for all parties

• Optional schedules for policy details or claim disclosures

Step-by-Step Instructions for Use

1. Insert full details of all parties, including insurers, underwriters, brokers, or insured entities.

2. Specify the insurance policies, claims, or underwriting assessments to which the non-reliance applies.

3. Identify statements, reports, or opinions that will not form the basis of reliance.

4. Ensure all parties review and execute the document, ideally with independent legal advice.

5. Retain signed copies for compliance, audit, and dispute management purposes.

FAQs About Claims and Underwriting Non-Reliance Letters

Q: What is an insurance non-reliance letter?
A formal document confirming that parties do not rely on specific statements, underwriting opinions, or claims-related communications when entering into insurance arrangements or resolving claims.

Q: Is this template enforceable in the UK?
Yes, when properly executed and aligned with the underlying insurance policy and contractual framework.

Q: Why is a non-reliance letter important in insurance matters?
It helps manage liability, supports regulatory compliance, and reduces the risk of disputes based on alleged reliance or misrepresentation.

Q: Can this template be used for both claims and underwriting non-reliance?
Yes — it is designed to cover underwriting assessments, policy negotiations, and insurance claims handling.

Q: How often should this template be updated?
Regular updates are recommended to reflect changes in UK insurance law and regulatory practice; this version is current for 2026.

For a bespoke version of this document ask for a free quote