Complaints procedure

How we handle complaints: here for you when you need us

DUAL Europe strive to do everything to ensure our policyholders 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 may advise any member of our staff or contact us by:

Writing to the Chief Risk Officer - Europe, DUAL Europe c/ Howden, 2 rue des Girondins L-1626 Luxembourg

Telephoning +352 621 547 098

Emailing [email protected]

Our complaints handling procedure:

  1. We aim to resolve your concerns, whenever possible, by close of business on the next working day. If this is not possible, we will promptly acknowledge your complaint in writing no later than five working days after receipt.
  1. If your complaint concerns the provision of (or failure to provide) a service by another firm authorised by a European regulator, 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.
  1. We will endeavour to resolve your complaint at the earliest possible stage. We will thoroughly investigate the matter and will usually send our final response to you in writing no later than eight weeks after receipt of your complaint.
  1. 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.
  1. 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.
  1. If you are a Lloyd’s policyholder and are dissatisfied with our handling of your complaint you may refer your complaint to the complaints team at Lloyd’s. The address of the complaints team at Lloyd’s is:
    The address of the complaints team at Lloyd’s is:
    Fidentia House
    Walter Burke Way
    Chatham Maritime
    Kent  ME4 4RN

Telephone: +44 (0)20 7327 5693
Fax: +44 (0)20 7327 5225
Email: [email protected]

Details of the Lloyd’s complaints procedure are set out in the leaflet “Your Complaint – How We Can Help” available at the above web address. Submitting your complaint to the Lloyd’s complaints team will not affect your right to use the Financial Ombudsman (FOS) as outlined below, if eligible, should you not be satisfied with Lloyd’s response.

  1. If you are a Lloyd’s Brussels policy holder and are dissatisfied with our handling of your complaint you may refer your complaint to the complaints team at Lloyd’s Brussels. Details of their complaints procedures are available at and its Complaints team can be contacted at:

Lloyd’s Brussels

Service Manager, Complaints team Lloyd’s Insurance Company S.A. Bastion Tower

Marsveldplein 5

1050 Brussels

Telephone: +32 (0)2 227 39 40

Email: [email protected]

  1. If you in EEA and should you remain dissatisfied with the final response or if you have not received a final response within 8 (eight) weeks of the complaint being made, you may be eligible to refer your complaint to the Office for Complaints concerning insurance intermediaries in your country.

Contact details and complaints data (when applicable):


Insurance Ombusman

Square de Meeûs 35

1000 Brussels


+32 (0) 2 547 58 71

[email protected]


ACA - Mediateur en Assurances

12, rue Erasme,

L – 1468 Luxembourg

(+352) 44 21 44 1

[email protected]

Visit the ACA Website


Financial Services Complaints Tribunal  – Klachteninstituut Financiële Dienstverlening (Kifid)

Postbus 93257

2509 The Hague

The Netherlands

+31 (0) 70 333 8 999

[email protected]

Visit Kifid Website

9. EU 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.
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:

10. If you have purchased your contract online, you may also make a complaint via the EU’s online dispute resolution.  The complaints handling arrangements above are without prejudice to your legal rights to initiate a legal action.

Visit the EU online dispute resolution: