If any insurer has refused your claim this refusal must be in writing.  It is important, before you take any further steps to be informed verbally over the phone and then in writing with a rejection letter, explaining the reason why your claim has been refused. 

Make sure that the insurance company has acted in accordance with their obligations and then you can take a look at your policy. If you have any questions relating to the reasons for rejection explained, you can get in touch with the insurance company and make your complaint in writing.

If you have a complaint please write to us for the attention of the Managing Director. However, if you are not happy with the outcome, you have the right to appoint an independent assessor or a lawyer to give you further advice in relation to your claim and act on your behalf. Following this procedure, have in mind that you will have to pay their costs yourself.   

Any dispute between the parties in connection with your policy shall be referred to and finally resolved by arbitration under the arbitration rule provided for by the International Arbitration law of Cyprus. If you believe that the arbitrator's decision goes against your rights as the insured party, then you can still go to the Court to pursue your case.