Lloyd's has set out the process to be followed for international (non-UK) complaints in Market Bulletin Y4961 - International Complaints Handling: Expansion of New Procedures. For Belgian complaints the process to be followed is modified in a number of aspects as set out in Market Bulletin Y4993. These changes reflect local regulatory and legal requirements and market practice.

Lloyd's arrangements for international complaints are intended to allow for the oversight of complaints handling, consistent with the regulatory expectations of the UK Financial Conduct Authority (FCA), whilst allowing flexibility for managing agents in the way they handle complaints in accordance with local rules.

Guidance

Guidance for Managing Agents

Complaints Handling Summary

LMA 5306 - International complaints - Full Authority

LMA 5307 - International complaints - No Authority

Definition of a Complaint

Any oral or written expression of dissatisfaction, whether justified or not, from, or on behalf of, a person about the provision of, or failure to provide, a financial service, which alleges that the complainant has suffered (or may suffer) financial loss, material distress or material inconvenience. 

Timescales 

A prompt acknowledgement of the complaint

Final response to be provided within eight weeks of receipt of the complaint 

External Dispute Resolution Service

When responding to a complaint, the complainant must be informed that if they remain dissatisfied they may be able to refer their complaint to the appropriate EDR service, for review. They should be provided with the full EDR contact details, which can be found in the Complaints Handling Summary.

Insurance Ombudsman

Notification of Complaints & Lloyd's Helpline

Overseas Notification Spreadsheet

Notification email: internationalcomplaints@lloyds.com

Complaints helpline: +44 (0) 207 327 5696