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A Complaint Letter To Insurance Company is a formal document used when a policyholder needs to express dissatisfaction with an insurance company's decision, service, or claim handling process. This document is particularly relevant in the New Zealand insurance market, where it serves as a crucial step in the dispute resolution process before potential escalation to the Insurance Ombudsman or other regulatory bodies. The letter should comply with New Zealand's insurance regulations, including the Insurance Law Reform Act 1985 and the Financial Service Providers (Registration and Dispute Resolution) Act 2008. It typically includes policy details, incident information, previous communications, specific complaints, and desired resolution outcomes. This document is often the first formal step in seeking remediation and can be used as evidence in further dispute resolution proceedings.

1. Sender's Details: Full name, policy number, contact information, and any other relevant identification details

2. Date: Current date of the letter

3. Recipient's Details: Insurance company's name, department, and full address

4. Subject Line: Clear indication that this is a formal complaint with reference numbers if applicable

5. Policy Information: Details of the insurance policy including type of coverage and policy number

6. Incident Details: Clear description of the incident or issue that led to the complaint, including relevant dates

7. Previous Communications: Summary of any previous contact with the insurance company regarding this matter

8. Specific Complaint: Detailed explanation of why you are dissatisfied with the company's handling of your claim or situation

9. Desired Resolution: Clear statement of what outcome you are seeking

10. Closing Statement: Professional closing including timeframe for expected response and any deadline-related information