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Gibraltar - How to Make a Complaint

What is 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:

(1) alleges that the complainant has suffered (or may suffer) financial loss, material distress or material inconvenience and

(2) relates to an activity of that respondent, or of any other respondent with whom that respondent has some connection in marketing or providing financial services or products, which comes under the jurisdiction of the Financial Ombudsman Service (FOS) in the UK.


Who to contact

Detailed information on who to contact is provided in your policy wording, however if you are having difficulty finding this, please speak to the company you purchased the insurance from. If your complaint relates to a claim, speak with the claim handler so they can start to look into this for you.


When to expect a response

The Lloyd’s underwriter or their representative will aim to provide you with a final response within 8 weeks of the complaint being received.


Escalating your complaint

If you are unhappy with the outcome in the final response, you may be able to refer your complaint to the UK Financial Ombudsman. You will need to refer the complaint within 6 months of receiving your final response.

Contact details

The Financial Ombudsman Service

Exchange Tower

London

E14 9SR