Making a complaint

We will acknowledge your complaint in writing within five working days of receipt.

We will endeavour to send a final response to you within eight weeks of receipt of your complaint. If we are unable to provide you with a final response within this time frame, we will write to you explaining the delay and advise you when you can expect a final response.

If you are a customer of our UK branch, and if more than eight weeks from the date of your complaint have elapsed and you have not received a final response, or you are dissatisfied with the final response you have received from us, you may choose to refer your complaint to:

Financial Ombudsman Service (FOS)
Exchange Tower
London
E14 6SR
Phone: 0800 023 4567
E-mail: complaint.info@financial-ombudsman.org.uk

Please note: You must refer your complaint to the Financial Ombudsman within six months of the date on our final response.

Heeft u een klacht?

HDI Global Specialty SE vindt elke klant belangrijk en we vinden dat u altijd recht heeft op een eerlijke, snelle en beleefde service. Als u niet tevreden bent met de service die we u hebben verleend en u wilt hier over klagen dan kunt u op de volgende manier contact met ons opnemen:

Mail ons op meldingen-compliance@hdi-specialty.com
 
We zullen de ontvangst van uw klacht binnen vijf werkdagen schriftelijk bevestigen. We zullen ons best doen om u binnen uiterlijk 8 weken na ontvangst van uw klacht een definitief antwoord te geven. Als het voor ons niet mogelijk is om u binnen deze tijd een definitief antwoord te geven dan zullen we u schriftelijk uitleggen waarom er vertraging is en wanneer u wel een definitief antwoord kunt verwachten.

If you have any concerns or complaints about your policy or how your claim has been handled, you should in the first instance contact our distribution partner responsible for handling your insurance contract or Third Party Administrator (TPA) that manages your claim, if applicable. You will find the relevant contact details on your policy documents.

If you are not satisfied with the distribution partner’s or TPA’s response to your complaint you may escalate it as a dispute and HDI Global Specialty SE’s Internal Disputes Resolution (IDR) committee will review the matter. The committee will be independent of the person who initially considered your complaint. HDI Global Specialty SE requests that you set out any dispute in writing to:

Internal Dispute Resolution Committee
HDI Global Specialty SE – Australia
Tower1, Level 33, 100 Barangaroo Avenue
Sydney NSW 2000,  Australia
E-mail: HGABdisputes@hdi-specialty.com

On receipt, an IDR review will be completed by our office with the decision provided within 30 calendar days. Updates of our progress will be provided at least 10 business days, if we cannot resolve your complaint straight away. If we are unable to provide you with an outcome within 30 business days, we will:

• inform you of the reason for the delay;
• advise you of your right to complaint to the Australian Financial Complaints Authority (AFCA); and
• provide you with AFCA’s contact details.

We may ask you to provide relevant information to assist us with the investigation of your complaint.

If you are not satisfied with our response, you may lodge a complaint with the Australian Financial Complaints Authority:

Australian Financial Complaints Authority
GPO Box 3, Melbourne VIC 3001
Telephone: 1800 931 678 (for cost of a local call)
E-mail: info@afca.org.au
Website: www.afca.org.au

We understand that things don’t always go to plan and there may be times when you’re unhappy with one of our policies, our services or a decision on your claim.  We want you to tell us of such circumstances. We’ll do our best to put things right as soon as possible or explain something we could have made clearer.

What you can expect to happen
Step 1: Let us know what your concerns are by contacting our partnering Distribution Partner responsible for your insurance contract directly by phone, email or writing a letter to them. You will find the relevant contact details on your policy documents. We’ll acknowledge your complaint within five business days.

Step 2: If they are unable to come to a resolution together, you’ll be referred to a manager. Our aim to investigate and resolve your complaint within two weeks. If this is not possible, we'll advise you of progress within 10 business days.

Step 3: If after working with a manager, we have t been unable to make it right, we’ll escalate your case to HDI Global Specialty SE Internal Disputes Resolution panel to review. The panel will be independent of the person who initially considered your complaint. HDI Global Specialty SE requests that you state the dispute in writing to:2

Internal Dispute Resolution Committee
HDI Global Specialty SE – Australian Branch
Tower 1, Level 33, 100 Barangaroo Avenue
Sydney NSW 2000 Australia
E-mail: HGSNZdisputes@hdi-specialty.com

Step 4: If we are unable to resolve your complaint, we’ll advise you in writing. You can choose to refer the matter to the Insurance & Financial Services Ombudsman (IFSO) Scheme.

The IFSO is an independent authority that will carry out an impartial investigation.

The IFSO Scheme has been approved by the Minister of Commerce & Consumer Affairs to provide an external dispute resolution to consumers with complaints about financial service providers.  It offers a free and independent complaints service.

The IFSO can be contacted in the following ways:

Phone: 0800 888 202
Email: info@ifso.nz
Website: www.ifso.nz

Step 1
If you are a customer of our Canadian branch and you wish to make a complaint, you should first discuss your concerns with an HDI Global Specialty SE – Canadian Branch (“HSCB”) employee who will make all reasonable efforts to resolve your concerns to your satisfaction. You may contact HSCB at:

HDI Global Specialty SE – Canadian Branch
130 Adelaide Street West, Suite 3400
Toronto, Ontario M5H 3P5
complaints-canadianBranch@hdi-specialty.com

You should make sure to provide HSCB with your name, contact details, insurance policy and/or claim number and the details of your complaint.

Step 2
If you are not satisfied with the handling of your complaint or final response, you may escalate it to HSCB Complaints Liaison Officer at:

HDI Global Specialty SE – Canadian Branch
130 Adelaide Street West, Suite 3400
Toronto, Ontario M5H 3P5
pascale.portelance@hdi-specialty.com

HSCB will acknowledge your complaint upon receipt of the complaint and provide you with our initial response in writing within 10 business days or less. If your complaint has not been resolved earlier, HSCB will provide you with a final response within fifty-six (56) days of receipt of your complaint.

Step 3
If more than 56 days from the date of your complaint have elapsed and you have not received a final response, or you are dissatisfied with the final response you have received from us, you may choose
to refer your complaint to:

General Insurance OmbudService (GIO)
4711 Yonge street, 10th Floor
Toronto, ON M2N 6K8
Call: 1-877-225-0446
In Toronto call: (416) 921-9316

www.giocanada.org

Easy-to-use online complaint form
www.giocanada.org/complaint-form

If you are a customer of our Canadian branch and you reside in the province of Quebec, and you are dissatisfied with the final response you have received from us or if more than 56 days from the date of your complaint have elapsed and you have not received a final response and wish to escalate it, you should refer your complaint to the Quebec regulator:

Autorité des Marchés Financiers (AMF)
Direction des plaintes et de l’indemnisation
Place de la cité, tour Cominar
2640 boul. Laurier, bureau 400
Québec (QC) G1V 5C1
1-877-525-0337

lautorite.qc.ca/en/general-public

• Alternatively, you may choose to refer your complaint to the
  General Insurance OmbudService (GIO), the contact details
  being provided above.
• As a customer of our Canadian branch living in Quebec, you
  may click here to view our Complaint Examination And
  Dispute Resolution Policy.
   

If you have a complaint specifically about HSCB’s Complaint Handling protocol and processes in that regard, you may contact the Financial Consumer Agency of Canada. Please note that the Financial Consumer Agency of Canada does not provide redress or compensation and does not become involved in individual disputes.

FCAC
427 Laurier Avenue West, 6th floor
Ottawa ON
K1R 1B9
1-866-461-FCAC (3222)

www.canada.ca/en/financial-consumer-agency/corporate/contact-us.html

Heeft u een klacht?

HDI Global Specialty SE vindt elke cliënt belangrijk en we vinden dat u altijd recht heeft op een correcte, snelle en beleefde service. Indien u niet tevreden bent over onze dienstverlening en een klacht wenst in te dienen, kunt u op de volgende manier contact met ons opnemen:

Mail ons op HGS_BE_Compliance@hdi-specialty.com

We zullen de ontvangst van uw klacht binnen vijf werkdagen schriftelijk bevestigen. We zullen ons best doen om u binnen een termijn van uiterlijk 8 weken na ontvangst van uw klacht een definitief antwoord te geven. Als het voor ons niet mogelijk is om u binnen deze tijd een definitief antwoord te geven dan zullen we u schriftelijk uitleggen waarom er vertraging is en u melden wanneer u wel een definitief antwoord kunt verwachten.

Als het door ons gegeven antwoord niet bevredigend is, kan u terecht bij de Ombudsman van de verzekeringen via www.ombudsman-insurance.be.

Avez-vous une plainte à formuler ?

HDI Global Specialty SE apprécie chaque client et nous sommes d’avis que vous avez toujours droit à un service correct, rapide et courtois. Si vous n'êtes pas satisfait du service que nous vous avons fourni et que vous souhaitez déposer une plainte, vous pouvez nous contacter de la manière suivante :

Envoyez-nous un courriel à HGS_BE_Compliance@hdi-specialty.com

Nous accuserons réception de votre plainte par écrit dans les cinq jours ouvrables. Nous ferons de notre mieux pour vous donner une réponse définitive dans les 8 semaines suivant la réception de votre plainte. S'il ne nous est pas possible de vous donner une réponse définitive dans ce délai, nous vous expliquerons par écrit les raisons de ce retard et vous informerons de la date à laquelle vous pouvez vous attendre à recevoir une réponse définitive.

Si la réponse que nous vous donnons n'est pas satisfaisante, vous pouvez contacter le médiateur des assurances à l'adresse suivante www.ombudsman-insurance.be.

If you are a consumer and not satisfied with our handling, you may refer your issue to the National Board for Consumer Disputes (ARN). They will try your dispute and their service is free of charge. You may also contact our Complaints Officer Carl-Henrik Salomonson Freij via compliance-hssb@hdi-specialty.com.

You also have the right to take your matter to court to have your case tried. Please refer your nearest court via www.domstol.se.

National Board for Consumer Disputes (ARN)
ARN, P.O Box 174, S-101 23 Stockholm, Sweden
More information can be found on their website: www.arn.se

You can also get guidance and information free of charge from your local consumer ombudsman in your municipality, or by contacting:

Konsumentverket/Hallå Konsument
Tage Erlandergatan 8 A, 652 20 Karlstad, Sweden.
More information can be found on the Swedish Consumer Agency’s website: www.hallakonsument.se

The Swedish Consumers' Insurance Bureau/Konsumenternas Försäkringsbyrå
P.O Box 24215, S-104 51 Stockholm, Sweden
Telephone: +46 (0)8 22 58 00 or from Sweden: 0200-22 58 00
Website: www.konsumenternas.se/forsakringar

För våra svenska kunder

Om du inte är nöjd med hanteringen av ditt ärende, med beslutet du har fått eller något annat som inte har fungerat som det ska, så har vi samlat information om hur du kan gå tillväga nedan.

1. Vänd dig i första hand till den som hanterade ditt ärende
   Kontakta den som har handlagt ditt ärende. De flesta saker kan hanteras via ett enkelt telefonsamtal. Du kan också begära att handläggarens chef omprövar beslutet. Om du inte vet vem som handlade ditt ärende kan du ringa vår växel på 08 617 45 00.
   
   Du kan också maila till vår klagomålsansvarige Carl-Henrik Salomonson Freij via compliance-hssb@hdi-specialty.com.
   
   
2. Om du ändå inte är nöjd
   Om du fortfarande inte är nöjd med vårt beslut, har du följande möjligheter att få ärendet prövat.
   
   Om du är konsument kan du vända dig till Allmänna Reklamationsnämnden (ARN).De prövar ärenden mellan konsument och företag, och deras handläggning är kostnadsfri.
   
   ARN
   Box 174
   101 23 Stockholm
   Telefon: 08-508 860 00
   Hemsida: www.arn.se
   
   Både konsumenter och företag har möjlighet att gå till domstol för prövning av ärendet. Vårt organisationsnummer är 516402-6345. Hitta din närmsta domstol på www.domstol.se.
   
   Du kan få information och vägledning i frågor om försäkring från din kommunala konsumentvägledare. Information finns också att få hos:
   
   Konsumenternas Försäkringsbyrå
   Telefon: 0200- 22 58 00
   Webb: www.konsumenternas.se
   
   Konsumentverket (Hallå Konsument)
   Telefon: 0771- 525 525
   Webb: www.hallakonsument.se

If you are a customer of our Danish branch and you are unsatisfied with our policies, services or a decision on your claim and therefore wish to make a complaint, you should first discuss your concers with us. You can contact us at:

HDI Global SE – Danish Branch and HDI Global Specialty SE - Danish Branch
Langebrogade 3F
1411 København K

You complaint will be answered and acknowledged within 3 working days from the receipt of the complaint. Our final response to your complaint will be carried out at the latest within 8 weeks from being received. If you are not satisfied with the handling of your complaint or final response you can then direct your concers or complaint to Ankenævnet for forsikring:

E-mail: ankeforsikring@ankeforsikring.dk