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    In the event that you wish to make a complaint, you can do so at any time by referring the matter in the first instance to:

    The Compliance Department

    Munich Re Syndicate Limited  

    St Helens

    1 Undershaft  


    EC3A 8EE  


    Lloyd's multi-stage complaints process

    In the event that you remain dissatisfied with the outcome of your complaint, you may wish to escalate it to the Complaints Team at Lloyd’s. Lloyd’s operates a two stage complaints process:

    Stage One

    Referral to Underwriters  

    In the first instance, the underwriters of your policy will review your complaint and hope to resolve the matter. They  will investigate the circumstances regarding your complaint and write to you within two weeks with their response.

    Stage two  

    If you are not satisfied with the underwriter’s response or you have not been provided with a stage one response  within two weeks, you are entitled to refer the matter to Lloyd’s. Lloyd’s will then conduct a full investigation of your  complaint and provide you with a written final response.


    Complaints Lloyd’s  

    Fidentia House  

    Walter Burke Way  

    Chatham Maritime    



    ME4 4RN  


    Telephone: +44 (0) 20 7327 5693

    Fax: +44 (0) 20 7327 5225  


    Details of Lloyd’s complaints procedures are set out in a leaflet “Your Complaint – How We Can Help” available at  and also available from the above address.

    Financial Ombudsman Service

    If you remain dissatisfied after Lloyd’s has considered your complaint, you may have the right to refer your complaint to the United Kingdom Financial Ombudsman Service. Alternatively, you may be entitled to refer your complaint to your local ombudsman or dispute resolution body. The address of the United Kingdom Financial Ombudsman Service is:

    Financial Ombudsman Service  
    Exchange Tower  
    Harbour Exchange Square  
    E14 9SR

    Tel: 0800 023 4567 or 0300 123 9123