Letter template of contestation to an insurer for the management 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 contract.

The first thing to do is to read again your contract, including the terms of non-inclusions of guarantees and special suplementary conditions and do not delay to contact his adviser in case of doubt.

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

How to make an friendly remedy with his insurer?

In a letter of explanation you will show that you have told the insurer of the loss within the legal deadlines and that the latter is covered by the contract while demonstrating that the insured conditions have been encountered (no intentional fault or exclusions). Attention, the limitation period is a short 2 years, beyond this date no action will be possible!

It is not always simple to explain your grievances in a letter, that is why we propose below models of letter of complaint to the contractor for multiple 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, then after, you have to request the Ombudsman's intervention. This procedure will allow 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 refusal of compulsory insurance, Make a claim for arbitration, Request a conciliation.

These writings 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 how to claim from your insurer contract

Subject: Claim compensation.

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

Dear Sir,

I acknowledge reception of your registered mail dated [put the date] in which you kindly 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 glitch between the generic conditions and the particular conditions of our contract. Indeed, Article 3 provides 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 professionally 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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