Letter to an Insurer about motor accident debt: Insurer’s failure to respond or decision to reject a hardship request

Important: This letter can be used as a guide. You must insert your own details where appropriate and delete any information that is not relevant to your situation. Always date your letters. Always keep a copy of the letter you send. Get legal advice if you do not understand.

Warning: This letter is information only and should not be relied upon as legal advice.

[Insert date here]

Insurance company

Address

Dear Sir/Madam,

Re: Accident on __ / __ / __

I refer to my letter dated __ / __ / __.

I contend that your failure to respond to my letter/rejection of my request means we have failed to reach an agreement within the terms of section 3.12 of the General Insurance Code of Practice.

As no agreement has been reached, I request that our dispute be referred to your Internal Dispute Resolution Department within 14 days of the date of this letter.

I assume you will not take any further action while I am waiting for your response to my request. If this is not correct please advise me in writing immediately.

I look forward to your response in writing.

Yours faithfully,

____________________
[Full name]

[Insert your contact details]