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Late claim

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The insurers allege that my claim is time-barred/ reported late/prescribed. What does this mean?

All policies require a claim to be reported within a limited time period. Furthermore, if an insurer rejects liability, you have a limited time period within which to make representation and/or institute action against the insurance company to avoid your claim becoming prescribed. Your policy conditions will reflect the aforesaid time periods. The important thing to remember is to act quickly.