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'I have a complaint about home or phone insurance that I can't sort out with my insurer - what happens next?’

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Insurance is a fact of life for just about everyone, whether you are a homeowner, a tenant, or you need to protect valuables like your phone, tablet or laptop.In an ideal world you would never have to make a claim, but insurance offers peace of mind - and if you are a homeowner it's a pre-requisite for being able to get a mortgage.

And of course insurance is there to fall back on if something goes wrong due to burglary, theft, loss or damage.Insurance companies in the UK handle millions of claims each year, paying out billions of pounds to their customers.

But what if something goes very badly wrong? Where do you turn if you try and sort it out with the insurer, but you're getting nowhere, and you end up out of pocket or you're otherwise unfairly treated?This is where the Financial Ombudsman Service comes in.

It’s a free, easy-to-use service that was set up by Parliament specifically to help people who have a complaint about financial product and services.They can look at complaints about banking, credit cards and loans, fraud and scams, insurance claims, investments and pensions, whether they are contacted by individual customers, small and medium‑sized enterprises (SMEs), charities or trusts.So if you have a problem with your insurance company and you are unhappy with how they have handled things, the Financial Ombudsman Service may be able to help.

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