How To Register A Complaint Against An Insurance Company

By | April 8, 2018

You have the option of filing a complaint if you are not happy with your insurance company. Here’s how to file a complaint.

How To Register A Complaint Against An Insurance Company

Insurance companies, like any other business, can leave you dissatisfied with their services. As a long-term contract between you as a policyholder and the insurer, insurance can sometimes lead to conflict, complaint or grievances that may develop over a period of time. You always have the option to file a complaint related to services or any claim-related dispute.

IRDAI And Complaint Resolution With Insurers

Insurance regulator, Insurance Regulatory and Development Authority (IRDAI), has put in place various safeguard mechanisms to ensure any such complaints or differences between policyholders and insurers are resolved swiftly. As per IRDAI regulations, a policyholder can first complain against any dispute or grievance with the insurer itself. Each insurer is mandated to have a dedicated grievance resolution department catering exclusively to handle complaints and grievances. A fixed timeline of 15 days is mandated for the insurance company to act on the possible resolution of the complaint.

IRDAI on its part has also created a dedicated ‘Grievance Redressal Cell’ which entertains all complaints which are not resolved by the insurance company timely or to the satisfaction of the policyholder. To make things easy, IRDAI offers an Integrated Grievance Management System (IGMS) allowing users to track the status of their complaints and possible resolution online.

Steps Involved In Filling a Complaint Against An Insurance Company

Here are the various steps involved to file a complaint or seek a resolution for any grievance against any insurance company, be it a life insurer or a general insurer.

Step 1: Initiate a written complaint to the insurer

The first step involves writing to the insurer for possible resolution of any complaint along with the relevant documentation. Smaller grievances or complaints like any manual errors etc. are usually addressed at the local branch or regional level. It is wise to maintain a written record of all communication between you and the insurer along with relevant acknowledgements.

Step 2: Contact grievance redressal officer of the insurer

If the complaint is not resolved at the local level, the next step is to write to the grievance redressal officer of the insurer concerned. Each insurer lists the details and address of its grievance redressal officer in all office branches and on their official website. You can email or submit your complaints in writing and seek proper acknowledgement from the office of the grievance redressal officer. The grievance redressal officer will respond to your complaint within a stipulated timeline of 15 days.

Step 3: Escalate the matter to IRDAI if complaint persists

If for some reason the insurer’s grievance redressal officer fails to respond to your complaint within 15 days or offers a resolution which does not satisfy you, you reserve the right to escalate the matter with the Grievance Redressal Cell of IRDAI. You can make use of the Toll Free No.155255 or submit your relevant complaints using the email at You can also register and monitor your complaint at for easy tracking.

Step 4: File for a civil complaint

If you are not satisfied with the resolution offered by IRDAI, you have the option to file a civil complaint and seek the services of an insurance ombudsman, consumer forum or even escalate the matter to a civil court under relevant sections of the Indian Penal Code (IPC). While there is no limit to approach the consumer forum or a civil court, you must approach an insurance ombudsman within one year of rejection of your complaint by your insurance company.

To make insurance transparent, IRDAI offers a streamlined complaint resolution process for any complaints between policyholders and insurance companies. is a leading online marketplace in India that helps consumers compare and apply for Credit CardPersonal LoanHome LoanCar Loan, and insurance.


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4 thoughts on “How To Register A Complaint Against An Insurance Company

  1. Lak singh

    I am existing user of bank Bazar .when I entered my login ID but not received OTP for verify.what is problem pls solve my problem.i have been invest twenty thousand rupees already.

    1. Team BankBazaar

      Hi Lak,

      We’re extremely sorry to hear this. We will forward your complaint to the respective department as soon as possible. Thank you for bearing with us.

      Team BankBazaar

  2. Nershon kumar boro

    Dear Customer, Mr.Nershon Kumar Boro

    Your request for loan amount of INR 5,00,000/- is confirmed. loan account. Your repayment plan for your loan is 7 Years Interest rate is 6.25% and Monthly EMI 7,364.35 for your loan. next process is to pay the processing charge. Please make the payment of Rs.7100/- (In Words Rupees Seven Thousand One Hundred Only). to the account listed below.ACCOUNT DETAILS OF OUR COMPANY. A/C NAME : Money Bazaar India LTD BANK NAME : ? IFSC Code: SBIN0000547 Please pay NEFT, RTGS, NET BANKING, ONLINE ,MOBILE BANKING, & IMPS method only, Regards.
    Maine ye A/c no pe 7100/Thousand rupes paid kiya tha muse ye paisa wapise sahiye ye paisa muse dila do
    Meine online apply kiya tha uske bad ye no pe call aya tha mera passbook, adhar card, pan card lekar uske bad ye paisa liya tha muse wapis dila do nehi thoh me ye A/c ko main fir kar dunga ye mera A/c no he please wapise dila do by

    1. Team BankBazaar

      Hi Nershon,

      Thank you for getting in touch with us. We are extremely sorry to hear this. Remember to never disclose your personal information or sensitive data such as bank account number, contact number, and PIN and passwords in any public forums such as this.
      Unfortunately, we aren’t the right people to advice you on this query. We suggest you speak to your bank directly regarding this. And if you’re unhappy with their response you should get in touch with the banking ombudsman to get this sorted. Cheers, Team BankBazaar

      Team BankBazaar


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