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 Norwegian complaints the process to be followed is modified in a number or respects as set out in Market Bulletin Y4896. 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.


Complaints Handling Summary

LMA 5306 - International complaints - Full Authority

LMA 5307 - International complaints - No Authority

Definition of a Complaint

A statement of dissatisfaction addressed to an insurance undertaking by a person relating to the insurance contract or service he/she has been provided with. Complaints handling is differentiated from claims handling as well as simple requests for execution of the contract, information or clarification.  


Without unnecessary delay with a substantive response to the complaint provided within eight weeks. 

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

Complaints Board for Consumers in Banking and Finance Matters