Download a Sample Letter of a Complaint about an Insurance

Every modern individual strives to make his or her life easier and more flexible. Today’s life becomes more and more complicated and needs enormous efforts to satisfy us. We want to be sure in tomorrow’s safety and comfort, in life without problems, any kinds of risk, unexpected material losses.

For this very reason insurance appeared in our lives and got highly involved in.

Why is it so necessary to obtain insurance today?

The simple answer is - it helps.

With the help of any insurance type, you are more protected from financial losses; it helps you to feel safe and confident, lead more comfortable and free life. Today we are offered a variety of different insurance kinds. Almost every aspect of our life has its insurance and welcomes you to use it for some price.

Auto insurance is obviously necessary when you are purchasing a vehicle. Another type of insurance – travel insurance – is required while traveling abroad. Any other purchase (no matter significant it or not) can be easily protected by insurance, for example, insurance for furniture, cell phones, appliances, electronics and so on.

A great list of insurance types also includes: home, health, homeowners, disability, pet, dental, property, medical and other kinds of insurance.

Everyone knows that insurance is quite a complicated mechanism. That’s why it’s crucial to choose the right type of policies. If you are purchasing any type of insurance, you should figure everything out, learn its policies and thoroughly examine how it works.

Unfortunately, sometimes people face lots of problems dealing with insurance companies. The major issues are:

  • Insurance policies have changed without your approval or were unknown to you;
  • Insurance policies were not clearly discussed or explained during the purchase;
  • Your complaint was not drafted or fulfilled in a proper or legal way.

How to write a letter of complaint about insurance?

Download a Sample Letter of a Complaint about an Insurance сompany

Always remember that any insurance type is nothing but a contract. When your claim happens to be dismissed you should stick to resolve and learn how to complain about insurance effectively. You are always able to file a complaint against the insurance company in three ways:


Before sending any type of your complaint letter, you should call your insurance company first. Most of the companies have pretty good technical support with toll-free customer assistance. Your claim sometimes can be discussed and resolved during a telephone conversation with the representative of the company and you won’t have to write any letters of complaints.

In order to hold a successful telephone conversation you should prepare for it: to know the number of your insurance, think over your complaint in details and describe it in the most effective way, be ready to send copies (by no means your original papers) of the documents, pictures, invoices and any other “evidences” concerning your case.

Remember to ask for a written response in return to your claim. If your case was not resolved on phone, you have the opportunity to file your insurance complaints in alternative two ways:

Send it online.

No doubt, this is the most convenient and easiest way to make a claim. You should remember that your claim must be written in a proper way in order to be quickly examined by insurance company. Below you will find tips for writing a good sustainable complaint.

This is the example of filling in a claim form with fully described steps on insurance company official page:

How to file insurance claim online

Submit it in person.

Personal visit to the insurance company is also a good way to solve your problem. Majority of people are sure that this is the most effective way to make a claim. No doubt, the private visit has a lot of advantages – you have the opportunity to speak to a company representative face to face, understand how your conversation ‘flows’, describe your issue in your words, and so on.

But sometimes this way is not suitable. It’s possible to come to the company office and forget about some facts or details, get nervous (as filing a complaint to the insurance company can become a rather emotional or stressful matter) or you will have to spend much of your time in a queue.

Any type of complaint letter (life insurance complaints, auto insurance complaint, home insurance complaint, health insurance consumer complaints or any other) should be drawn correctly.

A complaint against any insurance company must include:

  • Your personal details including full name, contact telephone number, e-mail, and address;
  • The exact name of the insurance company;
  • Your insurance policy number;
  • Names of all the participants who were involved in the case;
  • Copy of your insurance card (if requested);
  • The exact date of your incident or loss;
  • Description of your issue in details;
  • Your Claim number;
  • Your offers, variants or suggestions concerning the resolution of your problem, fair and full problem settlement description;
  • Copies of the documents that can assist in the resolution process of your claim – invoices, certificates, pictures, advertising materials, video recordings, proof of communication between insurance company representative and you.

Don’t forget to ask for your complaint reply. Remember that every insurance company is obliged to return you the answer in details. You may also download a sample letter of a complaint about an insurance company below to keep it as an example.

Before writing a letter of complaint yourself, remember first to check thoroughly your insurance company’s website. Many insurance companies would like to see some definite forms of complaints. That’s why they publish these forms on their official websites for their customers to write claims in a way they want it. For example, Aflac insurance company offers such insurance claim forms:

how to submit insurance claim


how to claim insurance injury


In order to avoid different misunderstandings you should also:

  • Thoroughly learn insurance policies;
  • In order to be sure about your rights and responsibilities, get acquainted with the Consumer Bill of Rights;
  • Systematically check your phone, email and give quick responses;
  • Collect all the documents concerning your problems;
  • Always abide the rules of the procedure.

You always have a chance to have your complaint be previously reviewed by an experienced claims specialist. Some attorneys provide these services for free.

If you’re writing a claim to the insurance company, it’s evident that you’re waiting for success. The fair and complete resolution of your problem is your target that’s why you should do your best, thoroughly prepare and be ready to work hard. Everyone is well aware that it’s quite complicated and stressful to deal with any insurance company. But when your actions are precise and correct, no doubt, you will succeed.

  • how to complain about insurance company
  • insurance complaints
  • insurance reviews

Legal disclaimers:

1. While every effort has been made to ensure the accuracy of this publication, it is not intended to provide any legal, medical, accounting, investment or any other professional advice as individual cases may vary and should be discussed with a corresponding expert and/or an attorney.

2. All or some image copyright belongs to the original owner(s). No copyright infringement intended.