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The Complaint Letter Against Insurance Company is a crucial document used when formal grievances need to be filed against insurance providers operating in Saudi Arabia. It serves as the primary method for policyholders to escalate unresolved issues and seek intervention from regulatory authorities. The document must be prepared in accordance with the Saudi Central Bank (SAMA) guidelines and the Cooperative Insurance Companies Control Law, including specific details about the policy, nature of complaint, supporting evidence, and attempted resolution efforts. This formal complaint can lead to proceedings before the Insurance Disputes Committee if necessary. The letter is particularly important as it creates an official record of the grievance and can be used in subsequent legal proceedings. It's essential for both individual and corporate policyholders across various insurance types, including health, property, liability, and other insurance products available in the Saudi market.

1. Sender's Information: Full name, address, contact details, and policy number of the complainant

2. Date and Reference: Current date and any relevant reference numbers (policy number, claim number, previous correspondence references)

3. Recipient's Information: Insurance company's name, address, and the specific department/person the complaint is addressed to

4. Subject Line: Clear, specific subject line indicating this is a formal complaint and the nature of the issue

5. Opening Statement: Formal introduction stating the purpose of the letter and identifying yourself as a policyholder

6. Background Information: Brief overview of your relationship with the insurance company, including policy details and duration

7. Complaint Details: Detailed description of the issue, including relevant dates, events, and communications

8. Supporting Evidence: Reference to specific evidence supporting your complaint (documents attached as appendices)

9. Previous Contact Attempts: Summary of previous attempts to resolve the issue, including dates and outcomes

10. Requested Resolution: Clear statement of what resolution or outcome you are seeking

11. Closing Statement: Professional closing including timeframe for expected response and any regulatory requirements