If you are dissatisfied with our decision

As the insurance taker or claims applicant you have different options for getting a decision from us altered. Here you find instructions for applying for change. Always check carefully the instructions in the request for change that is attached to the insurance company’s decision.

Self correction

If you as insurance taker or claims applicant suspect an error in your decision of compensation or another decision from Alandia Insurance (the insurance company) you have the right to get more information about the circumstances that have led to the decision. In this case Alandia Insurance (the insurancy company) is liable to correct the decision, if new investigations give cause for this.

Counselling

If you as insurance taker or claims applicant are dissatisfied with the insurance company’s decision you can ask for advice and counselling from FINE:s Insurance and Financial Counselling, www.fine.fi or +358-9-685 01 20. The bureau is there to advice and help consumers, owners of small businesses and similar customers in issues concering e.g. the insurance business. The magistrates consumer counselling also gives counselling and help with mediation in controversies free of charge,  www.konsumentrådgivning.fi, tel. +358-29-553-6902.           

FINE’s and Boards’ recommendations about decisions

FINE’s Insurance and Financial Counselling and the Insurance Board the acts in connection to FINE’s Insurance and Financial Counselling and the Consumer Disagreement Board also give recommendations about the insurance company’s decisions concerning voluntary insurances. All these authorities are there for giving recommendations on settling of disputes about interpretation and application of legislation and insurance terms in insurance relations. NB: FINE does not handle disputes that are filed at or have been handled by the Consumer Disagreement Board or a court of law. Before the issue is handled by the Consumer Disagreement Board you first have to be in contact with the magistrate’s counselling for consumers.

Contact data to FINE, the Consumer Disagreement Board and the Consumer Disagreement Board for the Åland Islands are:

FINE Insurance and Financial Counselling The Consumer Disagreement Board
Porkalagatan 1
00180 Helsingfors
Tel: (09) 685 0120
www.fine.fi
PB 306
00531 Helsingfors
Tel: 029 566 5200
www.kuluttajariita.fi

 

The Consumer Disagreement Board for the Åland Islands
c/o Ålands Landskapsregering
PB 1060
22101 Mariehamn
Read more about the Consumer Disagreement Board for the Åland Islands

 
Counselling service and recommendations from FINE and boards is given free of charge

For issues concerning statutory insurances there are separate boards that handle the customers’ appeal issues.

Average adjuster

If you are not satisfied with your decision of compensation concerning a yacht claim you can transfer the issue for settling at Finland’s Average Adjuster. NB: An issue to the Average Adjuster must always be made before handling in a court of law.

District court

As an insurance taker or claims applicant you also have the possibility to sue the insurance company if you are not satisfied with its decision. The summons can be served at a district court either at the party’s home location in Finland or at the insurance company’s home location or at the location of the claim, unless Finland’s international agreements state otherwise, within three years from when you receive a decision in writing from us.