Letter to Complain About Insurer's Rejection or Delay of Claim

This is a letter that can be used before referring an insurer to the Financial Services Ombudsman following an insurer's rejection or delay of dealing with a claim when items of the policyholder's property have sustained damage or been lost. This document can be used by a business or by an individual.

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 the document has been completed simply post or email it to the insurers, and wait for them to reply. Where no response is received within 14 days, it may be prudent 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 referring the insurer to the financial services ombudsman.

In order to prove that the letter was sent, it is prudent to send it by recorded delivery, or keep a receipt or other proof of posting.

Applicable Law

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.