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

What is a letter of complaint about an insurer's rejection or delay of claim?

A letter of complaint about an insurer's rejection or delay of a claim is a formal letter addressed to the insurance company, either challenging their decision to reject the insurance claim or querying their delay in responding to a submitted insurance claim.

 

What are the prerequisites for a letter of complaint about an insurer's rejection or delay of claim?

Before a letter of complaint should be sent, the sender (i.e., the policyholder) should have already made a formal claim to their insurer.

 

What has to be done once a letter of complaint about an insurer's rejection or delay of claim is ready?

The completed letter of complaint should be either posted or emailed to the insurers. If the insurer has not responded within 14 days, the policyholder can consider taking further action with the financial ombudsman. The letter of complaint should be sent as soon as possible after receiving the insurer's rejection letter.

 

Which documents should be attached to a letter of complaint about an insurer's rejection or delay of claim?

The policy holder can attach further evidence to support their insurance claim along with the letter of complaint about the insurer's rejection or delay of claim.

 

What must a letter of complaint about an insurer's rejection or delay of claim contain?

A letter of complaint about an insurer's rejection or delay of claim must contain:

• The date on which the policy holder first made the insurance claim;
• The details relating to the item being claimed;
• The details of the insurer's rejection; and
• The policyholder's grounds for disputing the rejection.

 

Which laws are applicable to a letter about an insurer's rejection or delay of claim?

The Unfair Trading Regulations 2008 may also apply to the insurer's decision.

Insurance Act 2015

 

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