How to make a PI insurance claim in the UK

A step-by-step guide to making a UK PI insurance claim. Applies whether you're notifying a circumstance or responding to a formal claim.

The direct steps

1. Contact your broker immediately. Not the insurer directly — the broker manages the process.
2. Gather all relevant documentation. Client contract, work product, communications, any complaint or claim.
3. Notify formally in writing. Broker drafts and sends.
4. Wait for insurer confirmation. Usually within days.
5. Cooperate with the insurer's enquiry. Panel solicitors may be instructed.
6. Attend meetings, provide information.
7. Follow the insurer's direction on settlement or defence.

When to notify a circumstance vs a claim

1. Circumstance. Facts you know that could reasonably give rise to a claim. Notify.
2. Claim. A demand or process actually made. Notify immediately.
3. Late notification is the single most common cause of coverage disputes.

What to include in a notification

1. Client and matter description.
2. Nature of the potential or actual claim.
3. Financial exposure estimate.
4. Timeline of events.
5. Documents supporting your position.
6. Actions already taken.

Common mistakes to avoid

1. Delaying notification. Get it in immediately.
2. Communicating directly with the claimant without broker input. Risks admissions.
3. Under-documenting the notification. Broker/insurer needs the whole picture.
4. Not preserving evidence. Keep original files, correspondence, drafts.
5. Settling without insurer consent. Voids cover.

Frequently asked

Related reading

• PI notification vs claim
• First 30 days of a PI notification
• PI coverage dispute — what to do
• PI defence cost erosion