DocMuse is a private, paid service run by The Muse Technology EOOD (Bulgaria). It is not a government website and is not connected with gov.ie, Citizens Information, the Courts Service or any other public body. It is not a firm of solicitors and is not regulated by the Legal Services Regulatory Authority or the Law Society of Ireland; its documents are not legal advice.

Complaint to your insurer about a claim or policy (Ireland)

Ireland · in English · for consumers

€2.00Fill it in online free — pay only to download

11 questions · about 5 min

Made for use in Ireland

Fill in the form

Your answers stay on this device for 7 days, or until you clear them.

0 of 0 answered
  • Instant download after payment
  • Backup link emailed to you
  • No account needed

For a policyholder in Ireland whose insurer has refused, underpaid or delayed a claim, cancelled a policy or charged unfairly — car, home, travel, health or other insurance. The letter is a formal complaint under the insurer's complaints procedure and asks for the reports its decision relied on. Under the Central Bank's Consumer Protection Code the insurer acknowledges it and gives a final response; after that, you can go free to the Financial Services and Pensions Ombudsman. Send it by email or registered post (An Post).

  • Last updated November 3, 2026
  • Document in English

Published byDocMuse

When to use this document

  • Your insurer in Ireland refused your claim and you think the refusal is wrong.
  • The insurance company paid far less than the damage to your car or home cost.
  • Your health insurer is delaying a claim and stopped answering your calls.
  • You want to complain formally to your insurer before going to the ombudsman.

What you fill in

The details the document asks for.

  • Sender
  • Sender's address
  • Town and county (e.g. Ennis, Co. Clare; or Dublin 8)
  • Sender's Eircode
  • Date
  • Insurer
  • Insurer's address
  • Policy number
  • Claim number
  • What the complaint is about
  • Requested outcome

Common questions

What happens after I send a complaint to my insurer in Ireland?
Under the Central Bank of Ireland's Consumer Protection Code, the insurer acknowledges the complaint within five business days, sends you written updates at least every 20 business days and tries to resolve it within 40 business days. Its final response must tell you that you can go to the Financial Services and Pensions Ombudsman, which is free, within six years of the conduct you complain about.
Can my insurer refuse a claim because of something I got wrong when I took out the policy?
Under the Consumer Insurance Contracts Act 2019, the insurer must ask you clear, specific questions before the cover starts, and you must answer them honestly and with reasonable care; you need not volunteer what it did not ask. Where an answer was wrong but not fraudulent, the Act limits what the insurer may do. Quote the questions you were asked and your answers in your complaint.
Can I use this letter to claim for an injury after a car accident?
No. A claim for compensation for a personal injury goes first to the Injuries Resolution Board, which has its own application. This letter is for a complaint about how your own insurer handled your policy or your claim: a refused or reduced payout for damage, a delay, a cancellation, or a premium or charge you dispute.

How you can sign this document

  • Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
  • Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked

DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.

Related documents

  • Complaint to a bank or financial firm (Ireland)

    For a customer in Ireland with a complaint about a bank, credit union, card provider, lender, pension or investment firm — a charge, a refused or wrong payment, poor service, a mistake or a mis-sold product. The letter is a formal complaint under the firm's complaints procedure: under the Central Bank's Consumer Protection Code a regulated firm acknowledges it, keeps you updated and gives a final response. If you are not satisfied, you can then go free to the Financial Services and Pensions Ombudsman (FSPO). Send it by email or by registered post (An Post).

  • Complaint about a package holiday (Ireland)

    For a traveller whose package holiday — transport and accommodation, or other travel services, sold together — was not as booked. The letter tells the organiser that it is responsible for every service in the package under the European Union (Package Travel and Linked Travel Arrangements) Regulations 2019 (S.I. No. 80 of 2019, as amended), and claims a price reduction and compensation, with a total and 14 days to reply. The Competition and Consumer Protection Commission (CCPC) explains package holiday rights free of charge. Send it by registered post (An Post) or, where accepted, by email, and keep proof of sending.

  • Final letter before legal action for money a person owes you (Ireland)

    For a private person in Ireland owed money by another person — an unrepaid loan, a share of a bill, money paid for something never handed over. The letter sets out what the money is for and the amount, gives 14 days to pay or explain, invites a proposal to pay in instalments, and says that otherwise you will issue court proceedings without further notice. The Small Claims procedure does not take debts, so a claim of up to €15,000 goes to the District Court. Send it by registered post (An Post) and keep proof.

  • Reply to a debt collector: prove the debt or it is statute-barred (Ireland)

    For someone in Ireland chased by a debt collector or debt purchaser for a debt they do not recognise, dispute, or believe is more than six years old. The reply acknowledges nothing and offers nothing: it asks for proof — the agreement, a statement of account, the last payment and the transfer of the debt — or says the debt is statute-barred under section 11 of the Statute of Limitations 1957, and asks the firm to write only. MABS gives free, confidential help with debt. Send it by registered post (An Post) and keep a copy.

  • Chargeback request to your card provider (Ireland)

    For someone in Ireland who paid by debit or credit card and did not get what they paid for — goods never delivered, faulty or not as described, a refund never paid, a payment taken twice — and could not settle it with the trader. The letter asks the card provider to raise a chargeback under the card scheme's rules and to answer in writing. Many providers have a free online dispute form that does the same job; ask the trader first.

  • Claim for a delayed or cancelled flight (Ireland)

    For a passenger whose flight arrived three hours or more late, was cancelled with less than 14 days' notice, or who was denied boarding, on a flight covered by Regulation (EC) No 261/2004: every flight from an EU airport, and flights into the EU on an EU airline. The letter claims the fixed compensation — €250, €400 or €600 per passenger, by distance — from the airline that operated the flight. The airline's own claim form and the EU complaint form are free and do the same job. Send it by registered post (An Post) or, where accepted, by email, and keep proof of sending.