As a policyholder, it’s essential to have a trusted insurance ombudsman that can help you resolve disputes about your policy.

They act as an impartial third party that can help you resolve issues with your insurer and give you advice on your options as a policyholder. In this article, we’ve laid out key things you should look for in an insurance ombudsman before signing a contract.

1. Professional background and credentials

When choosing an insurance ombudsman, check their professional background and credentials. Look for someone who has a good track record in resolving insurance disputes and maintaining professionalism.

2. Neutrality and impartiality

The insurance ombudsman you choose should be neutral and impartial. They must be able to approach the dispute fairly and make a decision without bias.

It’s important to remember that the ombudsman acts as a mediator rather than judge, so neutrality is key.

3. Knowledge and expertise

The insurance ombudsman should have sound knowledge and expertise in the insurance industry.

This helps to ensure that they can thoroughly understand your case, identify the relevant laws and regulations, and provide you with accurate information and advice.

4. Communication skills

Good communication skills are also critical when dealing with an insurance ombudsman. They should be able to explain complex insurance issues in a simple manner to help you understand your options and potential outcomes.

They should also be attentive and responsive, so you feel heard and understood.

5. Accessibility and responsiveness

Choose an insurance ombudsman who is accessible and responsive. They should be easy to reach through various channels like email, phone, or the ombudsman’s website.

They should also respond to your queries and requests promptly to avoid further delays in resolving your dispute.

6. Confidence and authority

It’s good to choose an insurance ombudsman who exudes confidence and authority. They should have the confidence to handle complex issues and have an authoritative presence to ensure that they command respect from the parties involved.

7. Non-judgmental attitude

Choose an insurance ombudsman who has a non-judgmental attitude. They must treat both parties fairly and equally, regardless of any personal beliefs or opinions.

Their job is to provide impartial advice and help resolve disputes, not judge individuals or situations.

8. Confidentiality and privacy

Choose an insurance ombudsman who safeguards confidentiality and privacy. They must ensure that your personal information and details of the dispute are kept confidential.

It’s crucial to ensure that the ombudsman doesn’t disclose any confidential information to third parties without your consent.

9. Time management and efficiency

The insurance ombudsman should be able to manage time and process disputes within reasonable time limits. They should have effective time management skills to ensure the timely resolution of your dispute.

10. Reputation and feedback

Finally, before choosing an insurance ombudsman, check their reputation and feedback. Look for reviews and recommendations from past clients to obtain an idea of their level of professionalism, effectiveness, and ethics.

Conclusion

An insurance ombudsman is a valuable asset to have when resolving insurance disputes.

When selecting an ombudsman, consider the skills, expertise, and reputation to ensure that they can provide the necessary support and advice at a level that will help you maintain control of the situation and resolve the claim.