What if something goes wrong?

Your policy documents will tell you what to do if you need to make a claim. If you’re not satisfied that your claim has been handled correctly you should contact your insurer, who will tell you how they will handle your complaint.

If you are not satisfied with the insurer’s final response to your complaint, you can refer your case to the Financial Ombudsman Service. The service is free to consumers and their decisions bind the insurer, but do not affect your right to take legal action should you wish to do so.

In January 2005, the FSA took over the regulation of general insurance. Insurers and intermediaires will need to comply with the FSA rules on claims handling. More information can be found on the FSA website.