Does not cover you for anything likely to happen.

Hi Paul, I'm sorry your claim didn't have the desired outcome. I will forward your feedback regarding the delay in rejecting your claim, and I completely understand your frustration about this. Thanks, Anna

Hi Paul, I'm sorry your claim didn't have the outcome you'd hoped for, and it's unacceptable and unusual that we took so long to reject your claim. I would like to help you with this - would you be able to send me your claim number? I will pass on your feedback to the appropriate people and investigate the delay. I hope this helps. Thanks, Anna