First of all, you must remember that insurance companies do not work or stand alone. They belong to a group of or an organization and when you have complaints, they will settle with you based on the organization laws and regulations.



So whenever you have a complaint against your insurance company or whenever you are not satisfied with the services of the provider you are free to go to the sales agent who have sold you the policy and file a complaint. There will always be someone to address your complaints. However there are some steps to be taken so that it goes to the necessary department.

Since your insurance company is a part of a big organization, there will be a designated official who will look upon your request or complaint. The company has their esteem at stake, so they would like to settle your problem in a systematic way. All their clients confide their property and wealth in the hands of these insurance companies, this make the insurance providers to be highly considerate to their customers.

The first thing you must remember is when you choose your flood insurance company, make sure that it is a member of one or all insurance organizations. If they are not, then your mind should start working and asking questions. Insurance or trade organizations regulate rules for their member organizations.

In the UK, it is easy to check if your insurance company is a member of one of the two main organizations. These organizations are the Insurance Brokers Registration Council (IRBC) and the Association of British Insurers (ABI). By knowing which organization your provider belongs to, you can easily find out what steps to take next with your complaint.

If your provider is a member of one or both of these organizations, you can rest a little easier. Membership in these organizations means that the provider is governed by a strict set of rules and regulations, and means that you can expect your complaint to be handled by someone with a great deal of expertise in that area.

Then there is the new organization called the General Insurance Standards Council (GISC) which is slowly taking charge of the regulation of the insurance industry. When you have a complaint, you must file your complaint directly to your insurance provider in writing. When they answer and you are not satisfied, find out what the complaints procedure is and follow it. Your complaint could either fall into the ombudsman scheme or an arbitration scheme.

If your complaint goes to the ombudsman method your insurance company should accept the given decision and if it goes to the arbitration scheme, both you and your provider should be ready to accept the decision given by the arbitrator. If you are ready to pay high court fees and patience for lengthy procedure, you can file a court petition, this is if you are not satisfied with any of the decisions.