Complaint to the Ombudsman

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Where a Claim Appeal is unsuccessful and the policyholder is dissatisfied with the final decision they can refer the claim to the FSPO or CIFO, which may be contacted at:

3rd Floor. Lincoln House Lincoln Place, Dublin 2.

Lo Call: 1890 88 20 90

Phone: +353 (0)1 662 0899

Fax: +353 (0)1 662 0890

[email protected]

Channel Islands Financial Ombudsman (CIFO) PO Box 114 Jersey, Channel Islands JE4 9QG

Jersey: +44 (0) 1534 748610

Guernsey/Alderney/Sark: +44 (0) 1481 722218

International: +44 1534 748610

For unsuccessful claim appeal, please note:

  • A UPE claimant must request a Final Response Letter (FRL) from UCS in order to pursue their dissatisfaction with our decision via the FSPO.
  • A UW claimant, submits letter of complaint to UW outlining their dissatisfaction with our decision of the claim appeal and the UW Legal & Compliance (L&C) Department investigate the complaint fully and correspond with the claimant by issuing a Final Response Letter (FRL) in relation to the complaint. If the claimant is still dissatisfied with the outcome of the complaint investigation they can refer their complaint to the Channel Islands Financial Ombudsman (CIFO).
  • As per jurisdictional requirement, where a local ombudsman is an alternative option for the policyholder to submit their dissatisfaction, we will provide the policyholder with the appropriate contact details to refer the matter to the local body.