An umpire clause can provide a process for resolving specified valuation or assessment disagreements under a policy.
The distinction that matters
It does not necessarily decide coverage, liability or every dispute, and it should not be presented as replacing all complaint rights.
What to check
- Read the disputes within scope.
- Check appointment and cost rules.
- Distinguish valuation from coverage decisions.
Example to discuss
An insured person checks whether a disagreement about an exclusion can use a clause intended only for the amount of loss.
This is a hypothetical comparison, not a customer claim or a determination of cover.
Sources and further reading
General information only. The policy, schedule and applicable rules determine the actual position. For a personal decision, use an appropriately qualified adviser or the relevant provider.