Every person and business alike will always require an insurance policy to help them safeguard their interests against unforeseen risks and legalities. However, there are times when insurance providers might not prioritize your interests or might not properly handle your claims. At such times, you might feel perplexed, mistreated, or even ignored.
This is where the insurance ombudsman comes into play.
The insurance ombudsman is an independent arbitrator appointed by the government or insurance industry associations to help consumers and policyholders resolve disputes that arise between them and insurance companies. The ombudsman helps achieve amicable settlements between the two parties, and their services are free, confidential, impartial, and fair.
One of the insurance ombudsmen in Europe that have earned the trust and dependability of many policyholders is Acasta European Insurance ombudsman.
In this article, you’ll learn all about Acasta European Insurance ombudsman, its services, and how it can help you resolve your insurance disputes effortlessly.
What is Acasta European Insurance ombudsman?
Acasta European Insurance Ombudsman is part of Acasta Europe Limited. They are an independent organization that adjudicates on disputes between policyholders within the European Union and insurance companies that are members of the Association of British Insurers (ABI).
Acasta European Insurance Ombudsman is impartial, and it isn’t influenced by any insurance company or government authority. Their adjudicators are well-trained and experienced professionals with legal backgrounds who ensure every party’s interests are protected and a fair and impartial resolution is achieved.
What Services Does Acasta European Insurance Ombudsman Offer?
Acasta European Insurance Ombudsman offers an independent, impartial, and confidential dispute resolution service that assists policyholders in resolving disputes. Examples of the types of disputes they can help with include:
1. Claims handling and settlement
2. Cancellation and termination of insurance policies
3. Claims rejected on the grounds of non-disclosure
4. Policyholder treatment following fraud
5. Whether premiums have been charged correctly
6. Misrepresentations in sales or policy documents
7. Policy exclusions
8. Chargebacks and refunds
9. Delayed claims payments
How to Lodge a Complaint with Acasta European Insurance Ombudsman
If you have a complaint about an insurer who is a member of the Association of British Insurers, you can visit their website and lodge a complaint online. You can also download a complaint form, complete this, and send it via email to complaints@acasta-europe.co.uk. Alternatively, you can send a letter to their offices.
When you send a complaint, you’ll need to provide the following information:
1. Your name and address.
2. The name of the insurance company, policy number, and the date you made your complaint.
3. A description of your complaint and what you’d like the ombudsman to do.
4. Copies of any documents that support your complaint.
5. A contact name and address if you have authorized someone to deal with the complaint on your behalf.
Once your complaint has been logged, the adjudicator will acknowledge receipt within five business days. To resolve your complaint, they may contact the insurance company and request their response to the complaint. They’ll conduct a thorough review before coming to a decision and will notify you and the insurance company of their findings.
What If You’re Not Happy?
If you’re not happy with Acasta European Insurance Ombudsman’s decision, you can appeal their decision. You’ll need to notify them in writing within 28 days of receiving their decision. They’ll assess your appeal, and if they don’t change their decision, you can take it further by:
1. Asking for their decision to be reviewed by the Financial Ombudsman Service (FOS). However, this can only be done once you have completed Acasta European Insurance Ombudsman’s complaints process.
2. Taking legal action.
Conclusion
Acasta European Insurance Ombudsman is an impartial, independent, free, and confidential service that can help you resolve disputes with your insurer. They have expertly trained and experienced adjudicators who make fair and impartial decisions based on factual evidence. By using their services, you can ensure a swift and fair resolution of any disputes that you have with your insurance company.