If you have a complaint about your insurance product or the service you have
received, please find guidance below.
Canopy strives to do everything to ensure our clients receive the best possible service. If you are not satisfied with the level of service provided by us, we will endeavour to resolve this as
soon as possible.
If you consider that you have cause to complain, the following information will advise you:
- How to make a complaint
- The procedures we are committed to follow in ensuring your complaint is
dealt with promptly, fairly and effectively
- What options are open to you if you are not satisfied with our response
How to make a complaint
If you wish to complain, you can contact us at any time by emailing email@example.com
Our complaints handling procedure
- We aim to resolve your concerns, whenever possible, by close of business
on the third working day after we
receive your complaint. If this is not possible, we will promptly acknowledge
your complaint in writing no later than five working days after receipt.
- If your complaint concerns the provision of (or failure to provide) a
service by another firm authorised by the Financial Conduct Authority, such as
an insurer, we will promptly refer your complaint in writing to the firm. In
these circumstances we will provide you with the full contact details for the
firm and, if the other firm is solely responsible, our final response.
- We will endeavour to resolve your complaint at the earliest possible
stage. We will thoroughly investigate the matter and will usually send our summary
resolution communication within five days or a final response to you in writing
no later than eight weeks after receipt of your complaint.
- We will keep you regularly informed of our progress and the measures
being taken to resolve your complaint. If our response is not issued within
four weeks of the date we received your complaint, we will issue a letter to
you explaining why we have been unable to resolve your complaint and indicate
when we will make further contact. You are welcome to contact us at any time to
check the status of our investigation.
- If, after eight weeks, you are still waiting for us to respond, we will
write to you explaining why we have been unable to conclude your complaint and
the options available to you.
- If you are either a private individual or an enterprise involved in
economic activity that employs fewer than 10 persons and has a turnover or
annual balance sheet that does not exceed €2 million, you may refer your
complaint to the Financial Ombudsman Service (FOS), provided we have had an
adequate opportunity to resolve your complaint first. We will advise you of the
time limits for making a referral to the FOS and supply a copy of the FOS
explanatory booklet with our final response. The FOS can be contacted by:
Accessing the website:
Telephoning: +44 (0)300 123 9 123 or 0800 023 4567.
We will provide whatever assistance we can to the FOS and abide with their final decision.
Your right as a client to take legal action remains unaffected by the existence or use of any complaints procedures referred to above. However, the FOS will not adjudicate on any cases where litigation has commenced.
- Online Dispute Resolution
The European Commission has established an Online Dispute Resolution Platform (ODR Platform). It is specifically designed to help customers resident in the European Union (EU) who have a complaint about goods or services bought online from traders established in the EU. You can submit your complaint online through the ODR platform in any of the official languages of the EU. The ODR platform can then submit your complaint to the Financial Ombudsman Service to facilitate resolution of your complaint.
You may use the ODR service if you are resident in the EU and have a complaint about a product or service purchased from us online using the following link:http://ec.europa.eu/odr.
As the ODR platform will ultimately re-direct your complaint to the
Financial Ombudsman Service, you may prefer to contact us or the Financial
Ombudsman Service directly in the first instance.
If using the ODR Platform you may find the following information helpful: