Letter model of protestation to an insurer for the administration of a claim.

Litigation with insurance

A dispute or disagreement with his insurance contractor is something quite usual. But in the majority of cases, it is a misunderstanding or misinterpretation of the insured about his insurance.

The first step is to read again your insurance, without missing the conditions of exclusions of guarantees and special suplementary conditions and do not delay to communicate his adviser in case of uncertainty.

Disputes with his insurer usually involve a refusal to compensate for a claim, an insufficient amount of compensation, a late declaration, the non-reimbursement of a broken item, a change in an unrevealed situation or because of a claim. Too long processing schedule for example.

How to make an amicable remedy with his insurer?

In a letter of declaration you will demonstrate that you have informed the insurer of the loss within the legal deadlines and that the latter is covered by the insurance while demonstrating that the guarantee conditions have been met (no intentional fault or exclusions). Attention, the limitation period is only 2 years, beyond this date no action will be possible!

It is not always simple to express your grievances in writing, that is why we suggest below models of correspondance of complaint to the insurer for different reasons and insurers (Maif, MMA, Matmut, Axa, Allianz , Macif, Gan, Groupama, Maaf, GMF, etc.). It is very important to send your letter by registered mail in order to keep track of your steps if, subsequently, you have to require the more info Ombudsman's intervention. This procedure will permit you to get an informed and external opinion on the dispute between you and your insurer, when it does not work.

Similar letters: Referral to the BCT after a refutation of compulsory insurance, Make a request for arbitration, Request a conciliation.

These letters can be useful to you:

Request an information statement from the insurer Request a copy of a certificate of insurance

Examples of mail to settle a dispute over an insurance contract

Subject: Claim compensation.

Example for an automobile insurance contract (refusal of assumption of responsibility)

Dear Sir,

I acknowledge receipt of your registered mail dated [put the date] in which you simply inform me that you refuse to compensate the theft of my GPS in London that I declared [date] on the grounds that it falls under the exclusion of guarantee.

However, there is obviously a contradiction between the generic conditions and the specific conditions of our insurance. Indeed, Article 3 says for the compensation of objects broken into my vehicle at the European level, but the special clause B provides for exclusion outside France (for example).

Referring to the case law, I ask you to kindly review your position and make my compensation as soon as possible.

While then, please accept, Madam, Sir, my best regards.

This letter model can be adjusted to any needs.


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