How Morgan Insurance Brokers Helped a Client Get Cover After Their Renewal Was Declined
24 October 2025
|In Uncategorised
When Renewal Becomes a Challenge
For many Australians, insurance is something you only think about when you need it most. But what happens when your insurer declines to renew your policy especially while you still have an open personal injury or liability claim?
That’s exactly what happened to one of our new clients at Morgan Insurance Brokers.
After suffering a personal injury incident that resulted in an open claim, their existing insurer decided not to offer renewal when the policy period ended. The previous broker was unable to source an alternative policy for them either.
This left the client in a difficult position: trying to find insurance while a liability claim was still active. For most people, that’s one of the hardest times to get coverage, but that’s where Morgan Insurance Brokers stepped in.
The Challenge: Finding Cover with an Open Claim
When an insurer declines to renew your policy, it’s often because they view you as a higher risk. Add an open personal injury claim to that, and suddenly, most mainstream insurers will refuse to offer new coverage altogether.
This means:
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You can’t simply “switch insurers” at renewal.
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You may be left uninsured for an extended period.
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Your business or personal assets could be at serious risk.
But our team at Morgan Insurance Brokers understands that everyone deserves fair access to protection even when circumstances are complex.
The Solution
Persistence, Expertise, and the Right Connections.
We took the time to understand the client’s situation in full detail, including the nature of their open claim, their risk profile, and their insurance history.
Then, leveraging our strong relationships with specialist underwriters and non-standard markets, we were able to negotiate a new policy that offered the protection they needed — despite the open claim and prior decline.
This required:
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Transparent communication with potential insurers
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Presenting supporting information to demonstrate good risk management
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Customising coverage terms to satisfy both parties
Thanks to this approach, our client was able to continue their cover seamlessly.
Why It Matters
Being declined by an insurer can feel devastating, but it doesn’t have to be the end of the road. Whether your policy was declined due to:
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An open personal injury claim
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A poor claims history
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Lapsed cover
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Or simply being placed in a higher risk category
Morgan Insurance Brokers can help.
We specialise in assisting clients who have been declined insurance, non-renewed, or who are struggling to find cover due to open claims or complex circumstances.
Need Help After a Declined Insurance Renewal?
If you’ve received a decline letter or your insurer has refused renewal, don’t panic and don’t go uninsured.
Reach out to Morgan Insurance Brokers today.
We’ll review your situation, explore specialist markets, and help you find the cover you deserve.
Contact us today to get back on track with the right insurance solution.
