Problem Pack for money and bills
Insurance Claim Denied
Insurer turned down your claim? It finds the clause they used, writes your appeal and takes it to the ombudsman or regulator if they still say no.
Works for: UK, EU, US, Canada and Australia
See it in action
An example. The situation is made up to show how the pack works.
The situation
Your £780 phone was stolen from your zipped bag at your feet in a UK café. You reported it to the police that day, and the insurer refused the claim, saying the phone was left unattended.
It asks you, for example
- Which country you are in
- The type of insurance and the insurer
- What you claimed for, how much, and when
- The denial date and the reason given
Subject: Claim GT-30917: complaint about denial of 9 October 2026, policy GP-118840
Dear Claims Team,
I am making a formal complaint about your decision of 9 October 2026 to decline claim GT-30917 for my phone, stolen on 2 October 2026.
Your letter says the phone was left unattended, which Section 5.3 excludes. The phone was zipped inside my bag, on the floor at my feet while I sat at the table. I reported the theft to the police the same day (crime reference attached) and to you the next morning.
Please:
1. Review the claim and confirm cover for the replacement cost of £780.
2. If you keep the decision, explain how Section 5.3 fits these facts.
I would be grateful for a written response by 13 November 2026.
Yours sincerely,
[YOUR NAME]
If they keep the decision, or 8 weeks pass, it drafts the complaint to the Financial Ombudsman Service with the timeline.
A skill for Claude, ChatGPT, Gemini, Grok or Copilot, or a text file for any AI chat, that turns your AI into an insurance claims helper for your case.
It reads the insurer's reason against your policy, tells you honestly how strong your appeal is, and writes the complaint and each reply.
What you are buying
- A check of the denial reason against your policy
- An appeal letter built on the clause they used
- Answers ready for the usual insurer replies
- The independent route for your country
- Legal or financial advice. It does not replace a lawyer.
- An app, a login or a subscription. You pay once.
- A promise that the insurer will pay
- A way to inflate a claim or change the facts
The message most people send, and the one this pack writes
Subject: Claim appeal Dear Sir or Madam, I am very disappointed that my claim was rejected. I have paid my premiums for years and I think this is unfair. Please reconsider my claim as soon as possible. Regards
No claim number, no clause, no evidence and no date, so it gets the same answer again.
Subject: Claim NH-C-55102: complaint about denial of 3 April 2026, policy NH-220817 Dear Northgate Claims Team, I am making a formal complaint about your decision of 3 April 2026 to decline claim NH-C-55102. You say the damage was a gradual leak, excluded under Section 4.2. The plumber who attended on 29 March recorded a sudden joint failure, and the ceiling was dry on 27 March. His invoice and letter are attached. Please review the claim and confirm cover for the £4,860 repair, or send the evidence you relied on, by 1 May 2026. Sam Okafor
It quotes their own clause, answers it with evidence and asks for one thing by a date. An invented example from the pack.
What it does
Words you can type at any time. You do not need them to start.
| Start it | Asks where you live, the type of cover, the claim and the reason given |
| clause check | Explains a clause you paste in plain words and whether it fits your facts |
| next message | Writes the appeal or the next letter for where your case is |
| they replied: <paste> | Says what their answer means and drafts your reply |
| ombudsman | Drafts the complaint to the independent body for your country |
| case file | Shows your case on one screen: reason, proof, what was sent, next step |
How you use it
- Open a new chat in ChatGPT, Claude, Gemini, Grok or Copilot. Free plans work.
- Attach the text file to a new chat in any AI and type "Follow this file". Or upload it once as a skill to Claude, ChatGPT, Gemini, Grok or Copilot.
- Answer its questions in your own words. It works through the problem with you from there.
See the set-up steps for each AI before you buy.
What arrives
A zip file, straight after you pay. Inside: the pack as a ready-to-upload skill with its SKILL.md, the same pack as one text file for any AI, and a start-here PDF with both set-ups.
Good to know
- Get the full policy wording, not the summary. The appeal is won or lost on the exact words.
- Ask for the denial reason and clause in writing if you only got a phone call.
- In the UK the insurer has 8 weeks to give a final answer, then the Financial Ombudsman Service is free.
- If the insurer mentions fraud or asks for a recorded statement, it tells you to get legal help first.
- It writes, you send. Nothing goes out for you.
- Part of the Money Back Kit: 7 packs for $39.
- Or get Every Problem Pack: all of them for $99.
- 14 days to get your money back if it does not do what this page says.
What is in the download
4 files in one zip, ready straight after you pay.
| START-HERE.pdf | The two ways to set it up, step by step, and the commands you can type. |
|---|---|
| 1 - Skill | A ready-to-upload skill (.zip) and its SKILL.md. Upload it once to Claude, ChatGPT, Gemini, Grok or Microsoft 365 Copilot and it switches on whenever this problem comes up. |
| 2 - Text file for any AI | The same pack as one text file, about 3,400 words. Attach it to a chat or add it to a project in ChatGPT, Claude, Gemini, Grok or Copilot. Free plans work. |
Guides for this
Questions
Which AI does it work with?
Claude, ChatGPT, Gemini, Grok and Microsoft 365 Copilot take it as a skill: upload it once and it switches on by itself. On any AI and any plan, attach the text file to a new chat and type "Follow this file", or add it to a project.
How do I get it?
Pay once by card. The download button appears straight after payment and your receipt comes by email. No account, no subscription.
Can I keep it ready for next time?
Yes. Upload the skill once to Claude, ChatGPT, Gemini, Grok or Microsoft 365 Copilot, or add the text file to a ChatGPT Project or custom GPT, a Claude Project, a Grok project or a Copilot agent. The start-here guide shows each.
Does it send anything for me?
No. It writes each message and you read it and send it yourself.
Is this legal advice?
No. It helps you put your case clearly and keep it moving. For large sums, a court date or anything you are unsure about, speak to a lawyer or a free advice service where you live.
What if it does not work for me?
You have 14 days to get your money back if it does not do what this page says. Tell us what you asked it and what it returned.
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