Boiler insurance - Insufficient compensation

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You should write a formal letter of complaint to your boiler agreement provider’s customer services department outlining why you believe the compensation offered is insufficient This will give them the chance to put things right for you. It also ensures that the company is aware of the problem so, if appropriate, they can rectify the problem to stop it from happening to others. If you are not happy with the response then you should escalate to a higher point of authority.

You should know

You cannot raise your case to the ombudsman until 8 weeks after you have first raised your complaint with your insurer
Your complaint must also not be older than six months.
For an accurate decision by the ombudsman you should provide a detailed file of your communications and supporting documentation
If you’re making a complaint about an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.

How long do you have to wait?

If you cannot resolve your issue you cannot raise your case to the ombudsman until 8 weeks after you have first raised your complaint with your insurer, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked.

Is there a time limit?

Your complaint must also not be older than six months.

What will the ombudsman do?

For an accurate decision by the ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help them assess your case.

What is a deadlock letter?

Your case will be considered to have reached deadlock if the company:

Feels it has done everything it can
It is unwilling or unable to give you what you are requesting
It says there isn’t reasonable cause for complaint

Or if neither you or the company is willing to change.

These types of situation are known as deadlock.

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