If you feel that your insurer is treating your claim unfairly and you wish to resort to legal bodies, there are two ways for you to make an insurance complaint. For the start, you can make a complaint with your insurance companies’ Ombuds service. First, you can find out your companies’ Complaint Officers and their contact information here. Next, you need to ask the complaint officer to give you a referral letter, which states your company’s final decision on your case. Following this, you write to the independent Ombuds service that you are referred to. You need to give a detailed description of your complaint and explain why you do not agree with your insurer’s position. Don’t forget to include the referral letter and other related documents. Once you have sent all the necessary documents to the Ombuds service, they will review your case and deliver the result to you later. In case your problem is not solved, and you wish to continue to pursue your complaint, you can file a complaint with FSRA. The complaint form is available here for you to download and fill in.