Ultimately this would depend on the exact terms of yuor policy wording. Generally however you can dispute settlement ifyou feel it is too low. You will need to give details and evidence this. Provide some more details please and I'll give it some further thought. If they have sent you a cheque don't cash it unless you have specifically written advising that you only consider an interim paymnet, Safest not to cash though if you wish to dipsute. F