Can insurance company withdraw settlement offer after I agreed it ?

My insurance company instructed their chosen loss adjusters to settle a building insurance claim. Their Trustpilot rating was awful but I had little choice. 
After a lot of messing about (will spare you the stressful details) a settlement offer was made via email from the loss adjuster, stating X£  which I accepted a few days later (all written in emails with my insurance company copied in).

A quite while after, I receive an out-of-the-blue call from the loss adjuster saying a mistake was made on their side and they want to review the claim again. I said I already accepted your offer and it's already taken forever. Surely they should honour their first offer, which they know I accepted ages ago. What are my legal rights, please? 


  • DullGreyGuy
    DullGreyGuy Forumite Posts: 6,262
    1,000 Posts First Anniversary Name Dropper
    Let the review happen and see what X moves to... for all you know it may go up. If it goes down then thats the time to dispute.

    Insurers are staffed by human and humans can make errors. You arent binding a new contract and so their offer isnt binding on them however if you can show you have lost money because of the change in value (eg you paid a deposit which will now be lost) then you could look to them to cover that cost. 
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