Escalating to the grievance cell
When the claim has stopped moving and the correspondence has stopped being answered.
When to send itAfter the insurer's published response time has passed
Why it existsThe grievance cell is a real stage of a claim: a reasoned complaint here resolves more claims than people expect, and every later route -- the regulator's channel, the Ombudsman -- will ask whether you used it first. Keep it factual and keep it to a timeline.
To: The Grievance Redressal Officer, [INSURER NAME] Subject: Grievance - Claim [CLAIM NUMBER] - Policy [POLICY NUMBER] Dear Sir or Madam, We are registering a grievance in respect of the above claim. Timeline: Date of loss [DATE OF LOSS] Intimation given to you [DATE OF INTIMATION] Survey carried out [DATE OF SURVEY] Last communication from you [DATE OF LAST COMMUNICATION FROM THEM] Since then we have not received a decision or a substantive response, despite our follow-ups. We have supplied the documents requested of us and are able to supply anything further immediately on request. We ask that you: [WHAT YOU WANT DONE]. Please acknowledge this grievance, give us a reference number, and tell us the date by which we may expect a decision. If the matter is not resolved within your published grievance response time we will take it further, and we reserve all our rights in the meantime. Yours faithfully, [YOUR NAME] [DESIGNATION] [BUSINESS NAME] [PHONE] / [EMAIL]
13 brackets still to fill.
Fill it in here
nothing is storedType the answers and the letter above fills itself in. What you type is used to build the page and then thrown away; none of it is written down at this end. Close the tab and it is gone.
Before you sendKeep proof that it went. Email is fine and a delivery receipt is better. Nothing here is legal advice, and what your policy pays is decided by its wording and the facts of your loss.
Want us to word it for your claim instead? Report a loss or call 92514 56334.
Three deadlines
- Tell the insurer now, not after the assessment.
- Notice to anybody else responsible the carrier, the contractor, the police, within the time your policy sets.
- Every document within the time the insurer asks for it.