All Messages

Complaint letter against insurance company

  1. Home
  2. 1st Anniversary Wishes
  3. Complaint letter against insurance company
Complaint letter against insurance company
February 01, 2019 1st Anniversary Wishes 3 comments

Send a written complaint, with supporting documents, to the insurers grievance redressal officer, and get an acknowledgement. Five easy ways to complain against an insurance company. Send a written Write to insurer.

The Insurance Regulatory and Development Authority of India (IRDAI) has a mechanism in place for registering policyholders’ complaints against Insurance companies.

Here’s how to go about having your grievance redressed.

Complain to the insurance company
You can first approach the Grievance Redressal Officer (GRO) of the insurance company by filing a written complaint. The GRO is expected to resolve the complaint in a reasonable period time. If there is no satisfactory reply from the GRO within 15 working days, you can approach the IRDAI.

Escalate to IRDAI
To escalate the complaint to IRDAI, you can:

* Contact IRDAI's Grievance Redressal Cell on the toll-free number 155255.

* Send an e-mail to [email protected] irdai.gov.in with any required documentary proof attached.

* Mail a written complaint to the IRDAI Grievance Redressal Cell. Gachibowli, Hyderabad 500032.

* Register a complaint on IRDAI¡¦s online portal, IGMS.

Processing
Complaints registered with IRDAI through any of the above modes are forwarded to the insurance company to issue a suitable response to the policyholder within the stipulated time.

Further escalation
If you are not satisfied with the resolution offered by the insurance company, the complaint can be escalated further to the Insurance ombudsman if it falls within the purview of the ombudsman.

Points to note
1. It is important to get a written acknowledgement or reference number pertaining to the registered complaint, to be used for further correspondence.

2. Registering a complaint through the IGMS allows easy tracking of its status till it is resolved.

The content on this page is courtesy Centre for Investment Education and Learning (CIEL). Contributions by Girija Gadre, Arti Bhargava and Labdhi Mehta.



Consumer Action offers a sample complaint letter and an email complaint your company's position and what you will do about my complaint.

The Dos and Don’ts Of Filing Complaint Against Your Insurance Company

complaint letter against insurance company

Sample Complaint Letter Template

Use this sample complaint letter (.txt file) the next time you need to file a complaint. Are you unsure how to use it for your situation? Check out an example letter that used this format.  

Your Address
Your City, State, ZIP Code

(Your email address, if sending via email)

Date

Name of Contact Person (if available)
Title (if available)
Company Name
Consumer Complaint Division (if you have no specific contact)
Street Address
City, State, ZIP Code

Dear Contact Person or Organization Name):

Re: (account number, if applicable)

On (date), I (bought, leased, rented, or had repaired) a (name of the product, with serial or model number, or service performed) at (location and other important details of the transaction).

Unfortunately, your (product or service) has not performed well (or the service was inadequate) because (state the problem). I am disappointed because (explain the problem: for example, the product does not work properly; the service was not performed correctly; I was billed the wrong amount; something was not disclosed clearly or was misrepresented; etc.).

To resolve the problem, I would appreciate your (state the specific action you want: money refunded, charge card credit, repair, exchange, etc.). Enclosed are copies (do not send originals) of my records (include receipts, guarantees, warranties, canceled checks, contracts, model and serial numbers, and any other documents).

I look forward to your reply and a resolution to my problem and will wait until (set a time limit) before seeking help from a consumer protection agency or the Better Business Bureau. Please contact me at the above address or by phone at (home and/or office numbers with area code).

Sincerely,

Your name

Enclosure(s)

counter offer letter email
With sincere gratitude
letter permission medical treatment child
Last day thank you letter
just a friendly reminder that payment is due
Farewell email to colleagues example
sweet things to write to your boyfriend in a letter
Love letter to a soldier

How to Write a Complaint Letter about an Unfair Settlement

complaint letter against insurance company

When you write this kind of letter, try your best to describe your problem and the outcome you want and ask for a response within a reasonable time. Important dates, such as when you purchased goods or hired services from the company or business must be included in the Reference Letter Template. Feel free to attach any supporting documentations you have like receipts and invoices as this may help in solving the problem at hand.

Free Formal Complaint Letter Template

Details

File Format

  • Microsoft Word
  • Apple Pages
  • Google Docs

Free Download

Free Complaint Letter to HR Template

Details

File Format

  • Microsoft Word
  • Apple Pages
  • Google Docs

Free Download

Workplace Harassment Complaint Letter Template

Details

File Format

  • Microsoft Word
  • Apple Pages
  • Google Docs

Free Download

Complaint Letter Template Description:

At the left-top section of the page, your name is to be inserted. Next you type in your home address in which you also should mention the street name and area of residence. Next, input tour email address and telephone number (landline and cellular) in case communication is required to be initiated with the individual or organization to whom the complaint is being submitted. You may also see Business Complaint Letters.

Business Complaint Letter

Details

File Format

  • Microsoft Word
  • Apple Pages
  • Google Docs

Free Download

Free Letter of Customer Complaint Template

Details

File Format

  • Microsoft Word
  • Apple Pages
  • Google Docs

Free Download

Free Letter of Complaint to Employer Template

Details

File Format

  • Microsoft Word
  • Apple Pages
  • Google Docs

Free Download

Free Customer Complaint Letter Template

Details

File Format

  • Microsoft Word
  • Apple Pages
  • Google Docs

Free Download

Write two words professional greeting to the person you are sending the letter templates to. Now write your RE just below the “Dear Manager” greetings. In the RE section, include the product or service you are complaining about, the name o the business and the date of the complaint.

Free Complaint Letter Example for Bad Product Template

Details

File Format

  • Microsoft Word
  • Apple Pages
  • Google Docs

Free Download

Free Complaint Letter for Bad Service Template

Details

File Format

  • Microsoft Word
  • Apple Pages
  • Google Docs

Free Download

Free Employee Complaint Letter Template

Details

File Format

  • Microsoft Word
  • Apple Pages
  • Google Docs

Free Download

Free Complaint Letter Against Staff Template

Details

File Format

  • Microsoft Word
  • Apple Pages
  • Google Docs

Free Download

Health Insurance Claim Complaint Letter Template

Details

File Format

Size: 2.6 KB

Download

Complaint forms most generally take a rustic tone as the letter expresses dissatisfaction on behalf of the customers. Health insurance claim complaint letter often takes a formal format informing them the difference between the claimed reclaim and the actual reimbursement provided by the insurance company. Such letters mostly include an attachment as well stating the promised terms and conditions. You may also see Employee Complaint Letter Templates.

Colleague Complaint Letter Template

Complaint letter can also be used to communicate any disrespectful behavior on behalf of any other employee in the organization. It is always advisable to mention instances or cite examples wherein any other employee may have misbehaved with the concerned person. These complaint letters are mostly directed towards the human resource team for their perusal and action. You may also see Word Complaint Letter Templates.

Item Defect Complaint Letter Template

Most of the brands have their customer grievance team to which all defects and complaints can be addressed. Complaint letter on malfunction of the product can be directed to the team mentioning the retailer from which the product was bought and other details such as the product id etc. and the defect which has been located in the product. You may also see Letter of Complaint Templates.

Companies Complaint Letter Template

Companies’ complaint letter is mostly addressed to the proprietor or any other senior professional of the company for non-performance of any of the promises which they had assured or mentioned as per the contract agreed upon by both the parties. Such letters may contain a warning signal of not repeating such errors or even any disciplinary actions which would be taken against them. You may also see Customer Complaint Letter Templates.

Labor Complaint Letter Template

Labor complaint letters are mostly addressed to the top management directed towards managers not abiding by the required protocols which they should such as payment of labor charges, leaves etc. Such letters should highlight the actual rule (along with the section of the agreement) and the period from which the rule was not followed. You may also see Complaint Letter Formats.

Editable Complaint Letter to Boss from Employee

Complaint letters on ill treatment by colleagues or lower grade employees should be immediately directed to the unit head or other HR managers so that stringent actions can be taken against any employee not abiding by the rules and regulations of the organization. Such letters should contain specifics on the exact incident, date of occurrence and the defaulting employee who broke the rule. You may also see Tenant Complaint Letter.

Complaint Letter to Hotel

Printable Delivery Complaint Letter Template

Free Response To Complaint Letter Template

Builders Complaint Letter Template

Complaint Letter for Apartment Management

Template of Complaint Letter For Insurance Agent

Complaint Letter to Bank Manager

Contractors Complaint Letter Template

Customer Complaint Apology Letter Template

Details

File Format

Size: 9.7 KB

Download

Printable Customer Service Complaint Letter Template

Details

File Format

Size: 9.3 KB

Download

Formal Employee Complaint Letter Template

Formal Service Complaint Letter Template

Details

File Format

Size: 9.3 KB

Download

Editable Customer Service Complaint Letter Template

Details

File Format

Size: 9.2 KB

Download

Now move to the article body and clearly describe your complaint. Write in paragraphs, make it short and be precise. Clearly, list the problem at hand and give suggested solutions or steps you would like the business to take to solve the problem at hand. Close the sample letter by putting your sign and eventually your name at the bottom of the page.

I am writing to complain about my car insurance claim being rejected. On 22 November 2009, I arranged car insurance with your company by phone.

Email templates about insurance

complaint letter against insurance company

If you’re not happy with the service offered by your insurance company, or the way they have treated you, you have the right to complain.

Why complain about an insurance company?

There are a number of reasons why you might make a complaint about an insurance company.

For example:

  • repair work has been done to a poor standard
  • your policies have been automatically renewed without you realising it
  • you might feel that your policies weren’t explained properly when they were sold to you.

After you make a complaint, the insurance company will look at your complaint and see if it’s appropriate to compensate you.

There’s a simple, step-by-step process you can go through to try and resolve the problem – first by complaining to your insurance company and then by asking the Financial Ombudsman Service to investigate your complaint for free.

Read our guide to learn What to do if your insurance claim is rejected.

Step 1 – Try to resolve the complaint informally

If you bought your policy through an insurance broker, they might make your complaint for you – it’s worth asking, to save yourself the hassle.

It’s sometimes possible to resolve a complaint informally with a quick phone call to the insurance company’s helpline.

It’s a good first step – but make sure to note down who you spoke to, when, and what was said, just in case you need to take things further.

Step 2 – Send a written complaint

If you’re not happy with the company’s response to your informal complaint, or you prefer to write a letter than use the phone, you can make a written complaint.

Every insurance company must publish a formal complaints procedure that you can follow if things go wrong.

It tells you who to contact and when to expect a response. Many companies publish this on their website.

If you can’t find it, contact them and ask for a copy.

How to write a formal insurance complaint letter

When writing a formal insurance complaint letter, be sure to:

  • put the date
  • give your name and policy number
  • mark the letter ‘complaint’ clearly at the top
  • include any evidence you have to support your complaint
  • say what you would like the company to do to put things right
  • explain your complaint clearly, stating what you’re unhappy about and when it happened
  • state that if you are unhappy with the company’s response you will take the matter to the Financial Ombudsman Service (see below).

Use our letter template (DOC 31KB) or follow the tips above to write your letter of complaint.

Keeping records of your complaint

Keep a copy of any correspondence and notes of any telephone conversations so you can pass them on to the Ombudsman Service if you need to.

You should also keep:

  • every letter you receive
  • a copy of every letter you send
  • for every phone call related to your complaint, a note of the time, the date, who you spoke to and what was said.

Step 3 – Ask the Financial Ombudsman Service for help

What is the Financial Ombudsman Service?

The Financial Ombudsman Service is a free service which helps to resolve disputes between consumers and financial services organisations, and deals with 5,000 enquiries every working day.

The Ombudsman Service is completely free to use.

When can you use the Financial Ombudsman Service?

Before you can use the Ombudsman Service, you have to follow your insurance company’s official complaints procedure.

Once you’ve complained they have eight weeks to respond.

You can contact the Ombudsman Service initially for advice, but they can only act after you get a final response from the insurance company, or as soon as the eight weeks are up.

How to complain to the Financial Ombudsman Service?

Download and complete a complaint form from the Financial Ombudsman Service website.

Send it off with a copy of the final response letter from your insurance company plus any other documents you have that support your case.

Find out how to complain to the Financial Ombudsman Service on their websiteopens in new window.

What will the Ombudsman Service do?

The Ombudsman Service will look at the case based on the facts – you don’t have to worry about presentation or arguments, just about telling the truth in your own words.

They will listen to your side of the story and the insurance company’s side and try to come to a fair judgement.

They’ll either reject or accept your complaint, or help you come to a settlement with the company.

If it decides you’ve been unfairly treated it has the power to make the company:

  • apologise
  • explain their actions
  • offer compensation.

Your case will first of all be looked at by an ‘adjudicator’ but if either you or your insurance company is unhappy with the outcome, it can be referred up the chain to an ‘Ombudsman’.

The Ombudsman’s decision is final and binding on your insurance company.

If you’re still not happy with it, you can still take the case to court, but you’ll have to pay a lot of expenses.

If the Ombudsman Service concludes you don’t deserve compensation then it’s extremely unlikely that you’ll win.

Do you need an ‘expert’ to help with your insurance complaint?

No. You shouldn’t need any special help or support if you complain.

Also, the Ombudsman Service is a free and informal service and they prefer to hear from you in your own words.

Everyone has the right to have someone else to act on their behalf.

Some people might like to have someone from their local Citizens Advice Bureau or a relative or friend to help them with their complaint.

Did you find this guide helpful?

Thank you for your feedback

Report a technical issue with this page

Complaints Unit of the insurance company or takaful operator documents and keep the originals; and keep a copy of your complaint letter for reference.

complaint letter against insurance company
Written by Meztitilar
Write a comment