Claims & Complaints
In the event of loss and/or damage that may give rise to a claim under this insurance, immediate notice must be given. You have the option to notify your claim directly to either the removal/self-storage company or the Insurer’s claims handlers, contact details of which are provided below. Unless a time extension has been requested by you, and agreed by the Company in writing, it is a general condition under this insurance that full details of any losses and/or damages for removals and storage must be notified within 7 days after delivery or, in the case of non-delivery, within 7 days from when your property would normally be delivered. These time limits apply whether or not your property has been unpacked. For Self Storage full details of any losses and/or damages must be notified at the time of the discovery of the loss of or damage to your property or at the time of removal of your property from the store whichever is sooner.
CUSTOMER SERVICE AND COMPLAINTS
Insurers are dedicated to providing a high quality service and want to ensure that this is maintained this at all times. If you feel you have not been oﬀered a ﬁrst class service please contact International Claims Agency Ltd (ICA) who will do their best to resolve the problem.
ICA’s contact details are:
International Claims Agency Ltd, Unit 10, Invicta Way, Manston Park, Ramsgate, Kent CT12 5FD UK
Telephone: +44 (0)1843 823820
Fax: +44 (0)1843 823956
For policies underwritten by Lloyd’s:-
If You remain dissatisfied after ICA have considered Your complaint, it may be possible in certain circumstances to refer the complaint to Lloyd’s. Details of Lloyd’s complaints procedures are set out in a leaflet “Your Complaint – How We Can Help” available at www.lloyds.com/complaints and are also available from Catlin Underwriting Agencies Limited at the above address or from Lloyd’s at:
One Lime Street
For all policies:-
If You remain dissatisfied after Insurers have considered Your complaint, or You have not received a decision by the time ICA and Insurers have taken eight (8) weeks overall to consider Your complaint, You can refer Your complaint to the Financial Ombudsman Service at:
Exchange Tower, London, E14 9SR
Telephone Number: From within the United Kingdom 0800 0234 567 calls to this number are free on mobiles and landlines, 0300 1239 123 calls to this number costs no more than calls to 01 and 02 numbers.
From outside the United Kingdom +44(0)20 7964 0500
Fax Number: +44(0)20 7964 1001
Text Number: 07860 027 586 Call Back Service
The Financial Ombudsman Service can look into most complaints from consumers and small businesses. For more information contact them on the above number or address, or view their website: www.financial-ombudsman.org.uk
The European Commission also provides an on-line dispute resolution (ODR) platform that allows consumers to submit their complaint through a central site, which will forward the complaint to the right Alternative Dispute Resolution (ADR) scheme. The ADR scheme for ICA is the Financial Ombudsman Service, which can be contacted directly using the contact details above. For more information about ODR please visit http://ec.europa.eu/odr
FINANCIAL SERVICES COMPENSATION SCHEME
Insurers are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if we cannot meet our obligations to you under this contract. If you were entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract. Further Information about the Scheme is available from the Financial Services Compensation Scheme (10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU) and on their website: www.fscs.org.uk