What should you do if you want to complain about your travel insurance?

Firstly, write to your insurance company and if you are still not satisfied contact the financial ombudsman.

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If you have a genuine grievance about any aspect of your travel insurance policy, in the first instance you should write to the company which sold you the policy.

You will need to explain exactly what you are complaining about and how you want the insurance company to put the matter right.

If you can’t resolve the problem with the insurance company, your next course of action is to write to the Financial Ombudsman - a government funded arbitration service which is free to use.

It’s interesting to note that the Ombudsman believes travel insurance policies are extremely complicated and misleading, consequently consumer’s claims tend to be upheld.

What’s more, the insurance company has to abide by the Ombudsman’s ruling whilst consumers don’t. In which case, you would have to go court, which could prove extremely costly.