Roci gets your
claims paid.
Insurers spend millions on AI to protect themselves. Roci puts the same power in your hands. Find out where you’re covered and what you’re owed today.
Likely payable
Home · escape of water
Why Roci?
of claims are rejected
Only 70% of completed UK home insurance claims are paid out. Of these, many are underpaid. The other third are rejected outright.
added to your annual premium per claim
(i.e. a £500 increase over the next 5 years)
The average home premium rise after a single claim - and it can climb even when the claim is refused.
to find out where you really stand
What Roci costs to check whether your claim should have been paid - using the same AI the insurers do, pointed back at them.
Industry averages for UK home insurance · GoCompare · Financial Conduct Authority
How it works
From confusing policy to a clear answer.
Four steps, joined end to end. Every one visible - hover over a step to watch it work.
01
Share your policy
Upload your documents and tell us what happened - in your own words. Encrypted, and deletable any time.
02
Roci reads every clause
It parses the real document - excess, exclusions, limits, time bars - and shows you exactly what it found.
03
Checks the rules for you
Cross-referenced against the FCA rulebook and real Ombudsman decisions - with every source cited.
04
Get a clear answer
Should you claim? A plain-English verdict and your next steps. You stay in control - Roci never files for you.
Grounded in the rules
No black box. Every answer cited.
Roci doesn’t guess. It checks your policy against the same rulebook your insurer has to follow, and shows you the exact clause behind every verdict.
Sample citation
“Your insurer can’t reject this on undisclosed condition grounds -”
The FCA rulebook
Every check is grounded in the Financial Conduct Authority's handbook - the same rules your insurer must follow.
Real Ombudsman decisions
It learns from thousands of Financial Ombudsman rulings, so you can see how cases like yours have actually gone.
Every answer cited
Each verdict links to the exact clause and rule behind it - so you can check the working, not just take our word.
What Roci checks
If you’re insured for it, Roci can read it.
Six of the policies people argue with most. More added all the time.
Home & contents
Escape of water, accidental damage, theft and the exclusions that sink most claims.
Motor
Write-off valuations, fault disputes, courtesy-car terms and the fine print on modifications.
Travel
Cancellation, medical and baggage claims - and whether that pre-existing exclusion really applies.
Pet
Lifetime vs. annual limits, bilateral conditions and the renewal traps that quietly drop cover.
Gadget & mobile
Accidental loss, unauthorised-use limits and the "reasonable care" clauses insurers lean on.
Life & income protection
Non-disclosure challenges, deferred periods and definitions of incapacity that decide a payout.
In their words
People who stopped taking “no” for an answer.
Roci found a clause my insurer never mentioned. The rejection was overturned within a week.
A. Mensah
Home claim · Leeds
I'd given up on my travel claim. Roci showed me, clause by clause, that I was owed it after all.
Priya R.
Travel claim · Bristol
For the first time it felt like someone was actually on my side reading the policy with me.
Tom H.
Motor claim · Glasgow
Pricing
Free to check. Always.
Knowing where you stand shouldn’t cost anything. It doesn’t.
The claim check
Upload your policy, get a plain-English verdict, your rights, and your next steps. As many claims as you like.
- Full policy read & clause-by-clause breakdown
- A clear should-you-claim verdict, with sources
- Encrypted, deletable, never sold
What happens next
Acting on it
Ready to act on it? Complaining to your insurer is free and something you do directly - and if they don’t resolve it within eight weeks, you can take it to the Financial Ombudsman Service, which is also free.
- +Your verdict and the clauses behind it, yours to keep
- +Complain direct to your insurer - free
- +Escalate to the Financial Ombudsman - also free
Questions
Straight answers.
Checking your claim is free - upload your policy, get a plain-English verdict, no card required. Roci doesn't draft complaints or pursue claims for you: you can complain to your insurer yourself for free, and escalate to the Financial Ombudsman Service for free if you're unhappy with their answer.
Your policy, finally in your favour
Find out where you really stand.
It takes a few minutes and costs nothing. Worst case, you learn exactly where you stand.