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This is a letter that can be used before referring an insurer to the Financial Services Ombudsman following an insurer's rejection of or delay in dealing with a claim when items of the policyholder's property has sustained damage or been lost.
The document provides a simple template that enables a person to set out the key facts that are required to request that the insurer's present a reasonable settlement proposal before the policy holder refers them to the financial ombudsman.
How to use this document
Once you have completed this document simply post it to the insurers, and wait for them to write to you. If you do not hear from them within 14 days you may wish to consider further action with the financial ombudsman.
The letter should be sent as soon as possible after the rejection but in any event, before you refer the insurer to the financial services ombudsman.
In order to prove that the letter was sent, you may wish to send it by recorded delivery, or keep a receipt or other proof of posting.
The relationship is subject to the principles of contract and insurance law.
The Unfair Trading Regulations 2008 may also apply to the insurer's decision.
Help from a lawyer
You can choose to consult a lawyer if you need help.
The lawyer can answer your questions or help you through the process. You will be offered this option when you complete the document.
How to modify the template
You fill out a form. The document is created before your eyes as you respond to the questions.
At the end, you receive it in Word and PDF formats. You can modify it and reuse it.