Feedback & Complaints
Out of house, but not out of mind
Your agent or intermediary is your first port of call. There are also third-party mediation services in the unlikely event that the problem persists.
Great Lakes is committed to the oversight of outsourcing agreements and has robust systems and controls in place to monitor our agents and ensure that they are treating customers fairly.
Great Lakes Insurance SE (Great Lakes) uses delegated authority to manufacture and distribute (retail and SME) insurance products via agency and/or coinsurance agreements. This means that, although we will appear in your policy documents as the underwriter, we outsource services such as claims and complaint handling to selected agents. You should be able to find the contact details for our agent on your insurance documentation, e.g. the Insurance Product Information Document (IPID) that was issued when you purchased cover. Details of the complaint process can also be found in your policy documentation.
Please contact your agent directly regarding your complaint. Agents are required to satisfy your complaints according to our standards and follow complaint handling rules established by local legislation. This is part of our agreement with them.
To learn more about complaints handling in relation to our Australian branch and/or our Australian insurance products, please refer to our dedicated subsite.
To learn more about complaints handling in relation to our Italian branch and/or our Italian insurance products and the possibilities to involve the local ombudsman, please refer to our dedicated subsite.
In the overwhelming majority of cases, our agent will be able to resolve your complaint. However, should you remain unhappy, you may be able to use an alternative dispute resolution service (ADR). The ADR you are referred to will likely depend on the jurisdiction in which you purchase the cover. You can use the European Commission’s Online Dispute Resolution service to identify a suitable ADR service if you purchased your cover in Europe.
In those jurisdictions where Great Lakes is a member of specific financial services or insurance-related local ombudsman services, you also have the option of approaching such ombudsman services.
Please note that Great Lakes is not a member of the German Insurance Ombudsman Association.
If your complaint is about a UK product and you remain unhappy after our agent provides a final response or eight weeks have passed, whichever is sooner, you may ask the UK Financial Ombudsman Service (FOS) to carry out an independent review of your complaint. The FOS is a free and impartial service that exists to help resolve complaints. FOS contact details:
The Financial Ombudsman Service
Tel: 0800 023 4567
You can also visit the FOS website for further information.
If your complaint is about a Swiss product and you remain unhappy after our agent has dealt with your complaint, you may ask the Swiss Ombudsman of Insurance to carry out an independent review of your complaint.