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How to respond to an insurance company

Insurance letters can ask for more information about a claim, explain a decision, or change your premium. A clear written reply with your policy and claim numbers helps you get an answer.

Include

1. Your policy number and claim number
2. The date of their letter
3. A clear answer to each question they asked
4. A list of the documents you attach (photos, receipts, reports)
5. What you are asking for — a review, a payment, an explanation

If you disagree with a decision

Ask for the reasons in writing and for information about their complaints procedure. Many countries have an independent ombudsman or complaints service for insurance — check your insurer's letter or website for the details.

HandleTheLetter provides document assistance, not legal advice. Always check important documents carefully.