Advice on how to complain if your insurance provider doesn't meet your expectations
Advice on how to complain if your insurance provider doesn't meet your expectations
While insurance can often prove invaluable in covering the costs involved if your car is stolen, your home is damaged or your flights are cancelled - among many other factors, depending on the type of insurance taken out - there will occasionally be errors or other eventualities that mean policyholders are unsatisfied with the performance of their insurance company. It may be that the insurance company is being too slow to process a claim, or that a claim has been rejected on what you consider to be false grounds.
If you are considering making a claim based on the performance of your insurance company there are a few things you can do. However, the very first thing you should do if you have an issue is to check your documents thoroughly, to confirm that you are truly entitled to the claims you have made. It may be the case that the policy has changed in the years since you first signed up, or that you were mistaken and your insurer is within its rights to reject your claim as invalid.
If you are satisfied that your claim is valid though, you should write a formal letter to the head office of your insurance company, or get in touch with them via email or telephone. If you are going to send a letter, it could be an idea to send it by recorded delivery. When you contact the head office, outline the details of your complaint, making sure you quote the time and date of the incident in question, as well as any subsequent phone calls or other correspondence you've had with the company over the matter. If you send any documents to prove your position, ensure that these are copies rather than the original.
If you do not receive a reply, or are unsatisfied with the one you do receive, it could be time to take your complaint to higher authorities. In the UK, this most commonly means the Financial Ombudsman Service (FOS), who sort out individual complaints that consumers and financial businesses haven't been able to resolve themselves. Be aware that there could be a delay in receiving a reply from the FOS, with replies often taking between 10 and 30 days, but if they rule in your favour, your insurance company will be obliged to compensate you promptly.
If you are having difficulties understanding the terms of your policy, or wish to seek further advice, organisations such as your local Citizens' Advice Bureau could help to clarify the details of respective insurances.
The author of this article is a part of a digital blogging team who work with brands like LV. The content contained in this article is for information purposes only and should not be used to make any financial decisions. Good Insurance Is Not Difficult To Find For Sure Watch New York Rangers vs Anaheim Ducks Online Game Coverage Watch Iowa St. Cyclones vs Colorado Buffaloes Game Coverage Online high quality Watch Pittsburgh Pirates vs New York Yankees Online Game Coverage Truck Insurance: Why Do Tow Trucks Need Separate Insurance? Insurance comparison online Watch Dallas Mavericks vs New Orleans Hornets Game Coverage Online high quality Insurance Provides Protection For Movie Producers Moving to Maryland? Get These Types of Insurance Orange County Insurance: Protection From The Unexpected The Art of Storytelling - tactics to increase your chances of securing media coverage Business Insurance In Ohio Protects Livelihoods What Impacts An Insurance Quote