48Refusal of insurance claims

#### 48 Refusal of insurance claims 48 Refusal of insurance claims > > (1) For the purposes of making an appeal against a decision of an insurer, an insurance claim is taken to have been refused if written notice of the insurer’s decision is not given to the beneficiary within 45 days of the lodging of the claim with the insurer or within such further time as may be agreed between the beneficiary and the insurer. > > > (2) This clause does not apply to an insurance claim made in relation to an insurance contract entered into on or after 1 September 2005.