Standing Up for Yourself: What Can You Do if an Insurance Company Isn’t Treating You Fairly?

by Darwin on November 5, 2018

Sometimes, you may feel like your insurance company isn’t treating you fairly. In this case, you need to stand up and seek justice; you have the right to complain. So, don’t be threatened by anyone. Submit your complaint and seek for justice.

Do You Need Help With Your Insurance Complaint?

This should be your prerequisite. You can either seek help or stand up alone or even opt for Insurance adjuster. The best of all is that the ombudsman service is free. So, why look for special help from somewhere that could make you incur additional costs?

Why Complain About an Insurance Company?

There are a number of reasons why you could decide to raise a complaint or complaints. Some of the reasons include:

  • Repair wasn’t done as agreed
  • Your policies were automatically renewed without your consent
  • You may raise a complaint when you feel your policies were inadequately explained
  • You may also decide to raise a complaint if money was deducted from your account without notice

If you raise a complaint, your insurance company will look at your complaint and then decide whether they will compensate you or not. Below is what you can do if you feel your insurance company isn’t treating you fairly.

Step 1: Try to Resolve the Complaint Informally

Don’t rush and report the matter to the ombudsman officer before you try resolving the complaint informally. There are certain issues that can be resolved by just making a phone call. So, why would you go the long process when you could have squared things by just making a call? When making the call to resolve issues with your insurance company, make sure that you note down major things you agreed on and who you spoke with.

Step 2: Send a Written Complaint

If you feel that you are unsatisfied with the response you got, then it would be wise to raise your complaint in writing. Most insurance companies provide a procedure to be followed when raising a complaint. So, go ahead and use the procedure.

In some cases, your insurance company may not have availed the procedure public. In this case, you can contact them and tell them to give you a copy. Also, some insurance agencies have websites. So, visit their website and download a copy of the procedure.

How to Write a Formal Insurance Complaint Letter

When writing your complaint letter, you need to be very careful not to make any errors. So, to be safe, ensure that you have:

  • Inserted the correct date
  • Indicated your name and policy number
  • You have indicated that the subject is “complaint.”
  • You have included an evidence that will support your complaint
  • Suggest what you’d like the company to do over the issue
  • Explained your complaint in detail
  • Clearly indicate that in any case you won’t be satisfied, you’ll forward the matter to the Financial Ombudsman Service

Step 3: Ask the Financial Ombudsman Service for Help

Before you move to the financial ombudsman for help, ensure that you have first tried to resolve the issue with the insurance company and that they gave you feedback which you never liked.

If the ombudsman finds out that the insurance company treated you unfairly, then they have the authority to:

  • Make the insurance company apologize to you
  • Make the insurance company to explain their actions
  • Make the insurance company compensate you

Wrap Up

Everyone has the right to raise a complaint when you feel you have been unfairly treated. Let nobody threaten you. Go ahead and file your complaint. If it’s genuine, you should be able to get compensated, but don’t raise unrealistic complaints.


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