Oakleafe Claims - Logo
Oakleafe Claims

Proximate Cause - We Break It Down

Having to make an Insurance claim can be daunting, especially when faced with terms like "proximate cause." In this guide, we'll break down the concept of proximate cause in insurance, providing clarity for policyholders and those researching policy terminology. From defining proximate cause to exploring its relevance in insurance claims, this article aims to empower individuals seeking assistance with their insurance claims. Additionally, we'll delve into an example to illustrate how proximate cause can affect an insurance claim. Finally, we'll discuss the benefits of hiring a loss assessor like Oakleafe to navigate the claims process effectively.

Proximate cause is a fundamental concept in insurance that refers to the primary cause of an event or loss leading to a claim. Policyholders must grasp this concept to determine whether an insurance policy covers a particular incident. In simpler terms, proximate cause identifies the immediate cause that sets off a chain of events, resulting in loss or damage.

Example of Proximate Cause

For instance, consider a scenario where a fire breaks out in a residential building due to faulty wiring. While the fire caused extensive property damage, the proximate cause may be deemed as defective wiring. This distinction is essential as it influences insurance coverage and liability.

Proximate Cause in Insurance UK

In the UK, proximate cause is evaluated based on the "substantial factor test." This test examines whether the event was a substantial factor in causing the resulting loss or damage. Courts analyse the sequence of events leading to the incident to determine the proximate cause accurately.

How Proximate Cause is Determined

Proximate cause is determined by assessing the sequence of events and identifying the predominant cause that led to the loss or damage. It involves analysing the direct and indirect factors contributing to the incident, ultimately pinpointing the primary cause.

Benefits of Hiring a Loss Assessor

Hiring a loss assessor like Oakleafe can greatly benefit policyholders facing insurance claims. Loss assessors are experienced professionals who advocate for policyholders, ensuring they receive fair and adequate compensation for their losses. They possess in-depth knowledge of insurance policies and can effectively navigate the claims process on behalf of the policyholder. By enlisting the services of a loss assessor, policyholders can alleviate the stress and uncertainty associated with insurance claims while maximising their chances of a successful outcome.

Conclusion: In conclusion, understanding the proximate cause is essential for policyholders navigating the intricacies of insurance claims. By comprehending the concept and its implications, individuals can make informed decisions regarding their insurance coverage and claims process. Hiring a loss assessor like Oakleafe can provide invaluable support and expertise, ensuring policyholders receive the compensation they deserve. With their assistance, policyholders can confidently navigate the claims process, knowing they have a knowledgeable advocate on their side.

Related Claims and Topics
February 22, 2024
Join Us at the Midlands Business Network on 29th February!

Are you ready to take your business networking to the next level? We're thrilled to announce that Oakleafe Claims will be exhibiting at the upcoming Midlands Business Network event on February 29th. This is an incredible opportunity for businesses in the Midlands region to connect, collaborate, and grow together. Why Attend the Midlands Business Network? […]

Read More
February 21, 2024
Repudiation in Insurance: What is it?

Insurance is a safety net we rely on for financial protection in times of need. However, it's essential to understand the terminology used in insurance policies to ensure you're adequately covered. One aspect is repudiation, which holds significant weight in insurance. What is Repudiation of an Insurance Policy?  Repudiation of an insurance policy occurs when […]

Read More
February 19, 2024
Top 5 Mistakes to Avoid When Filing a Property Insurance Claim in the UK

Filing a property insurance claim in the UK can be daunting, especially in the aftermath of a disaster or unforeseen event. From ensuring timely submissions to accurately documenting damages, homeowners must take several crucial steps to maximise their chances of a successful claim. However, in the stress and urgency of the situation, it's easy to […]

Read More


If you have been declined whilst trying to claim on your domestic or commercial insurance, we can help. We can also help with professional services, for example, Brokers, VAR Valuations and Managing Agents.