Terms and Conditions
Terms of Business
Privacy Statement
Complaints

It is our intention to provide you with a first class service at all times. However, there may be occasions when you feel this objective has not been achieved, in the first instance, please address your concerns to your account executive who will endeavour to assist you.

LSR will take all complaints seriously. We have a complaints handling procedure in place. Our procedures meet the standards set by the Financial Services Authority (FSA). The FSA have published guidance on how to make a complaint. If you remain dissatisfied please contact our Compliance Officer as shown below;

Ms Baljinder Gosal

Compliance Officer
London Special Risks Ltd
Minster House
42 Mincing Lane
London
EC3R 7AE

Tel: 020 7459 9216
Fax:   020 7459 9301
E-mail: bally.gosal@londonspecialrisks.com

Please always quote your policy number or claim number, where this is available, and the broker responsible for arranging your insurance. Our Compliance Officer will handle your complaints as follows:

- A written acknowledgement of your complaint will be provided within 5 business days.

- A final or holding response will be sent within 4 weeks of receiving the complaint.

- A final response should be sent within 8 weeks of receiving the complaint

If your dissatisfaction is with your insurer, you may approach a senior executive of your insurer. Full details of the name and address are available from our Compliance Officer at the above address.

If you remain dissatisfied and you are insured by a member of Lloyds' of London, you may write to:

Lloyd's Complaints and Advisory Department
Lloyd's of London
1 Lime Street
London
EC3M 7HA

If it is not possible to resolve your complaint within 8 weeks, you will be sent a letter explaining the reasons for the delay and informing you that you can refer your complaint to the Financial Ombudsman Service as below;

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
LONDON
E14 9SR

Tel: 0845 080 1800
Email: enquiries@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

Any decision made by the Financial Ombudsman is only binding on the insurers and you remain free to take any legal action that you see fit.

Law Applicable to Contract
These arrangements for the handling of complaints are entirely without prejudice to your rights in English Law and you are free at any stage to seek legal advice and take legal action. Unless agreed otherwise with you, your insurance is governed by English Law.

If you are not resident (or, in the case of a business, the registered office or principal place of business is not situated) in England, Wales, Scotland, Northern Ireland, Channel Islands or the Isle of Man, the law which will apply is the law of England and Wales.

Authorised and regulated by the Financial Services Authority. Registered in England and Wales No. 1264149. Lloyd's broker