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How to make a complaint

It is our intention to provide a high level of service at all times.

However, if you have any reason to be dissatisfied with the service we provide, you should raise the matter in the first instance with the person who handles your account.

Alternatively, you should contact the Insurance Manager at Unity Insurance Services,
75 Marlborough Road, Lancing Business Park, Lancing, West Sussex, BN15 8UF or ring 0845 0945 702.

Complaints Handling Procedures

These service standards do not apply where we have been able to resolve your complaint by close of business on the business day following its receipt.

We will send you written acknowledgement of your complaint within five business days of its receipt, giving the name or job title of the individual handling the complaint for us (together with these details of our complaint handling procedures).

If we are able to complete our investigation of your complaint and provide a final response within five business days of receipt of your complaint we will include our findings in our acknowledgment letter. A final response is a written response from us which:

• Accepts your complaint and, where appropriate, offers redress OR
• Offers redress without accepting the complaint OR
• Rejects your complaint and gives reasons for doing so

Our final response letter will inform you that, if you remain dissatisfied with our response, you may refer your complaint to the Financial Ombudsman Service (FOS) but that you must do so within six months. You can contact the FOS by telephone on 0800 0234 567 (free from a landline) and further information is available at http://www.financial-ombudsman.org.uk/.

If we are not in a position to investigate and respond within five days we will first send you the acknowledgement letter referred to above and then, within four weeks of receiving your complaint, send you either:

• A final response OR
• An interim response, which explains why we are not yet in a position to resolve your complaint and indicates when we will make further contact (which must be within eight weeks of receipt of your complaint)

If we have sent you an interim response, we will, by the end of eight weeks after receipt of your complaint, send you either:

• A final response OR
• A response which:

o Explains that we are still not in a position to make a final response, giving reasons for the delay and indicating when we expect to be able to provide a final response

o Informs you that you may refer your complaint to the FOS if you are dissatisfied with the delay and encloses a copy of the FOS's explanatory leaflet

You may accept our response in writing at any time during this process, even if we have not yet issued a final response.

Access to the FOS is not available to some, mainly larger, companies (for example those with turnovers over €2 million); if we know that a complainant is not eligible to refer to the FOS we will not refer to the Ombudsman in our correspondence but we will explain how their complaint could be progressed if they remain dissatisfied with the resolution which we offer.

We undertake to treat all complainants equally and fairly regardless of whether or not they are entitled to refer to the FOS.

If the matter to which your complaint relates is the responsibility of another firm (for example an insurer), we will pass details to them, in writing, within five business days of receipt of your complaint and write to you to advising you of this.