What to do when an insured event happens:

Telephone Us – +44 1444 444 951

Emergency Assistance on +33 141 61 19 15 You must do this immediately.

Please note if you have a Kinsure policy purchased before the 1st July 2009 then please contact Cega Claims on + (44) 1243 621 065

If you cannot contact Us immediately, you must do so as soon as possible, however, not contacting Us, or not following their instructions, could affect your claim. We must agree, beforehand, any emergency travel expenses involving any travel and accommodation.

When calling Us for help, please provide the following information.

·         The name of the insured person.

·         The phone number you are calling from.

·         The name and phone number of the doctor or hospital.

·         The policy number (shown on your schedule) and your name.

·         The nature of the emergency.

After notifying Us please download a Claim Form - KINSURE CLAIMS FORM or telephone Us to obtain a Claim Form and return the completed Claim Form, supporting documentation and a copy of your Certificate of Insurance to: Kinsure Claims Department, LAMP Services Limited, Chester House, Harlands Road, Haywards Heath, West Sussex, RH16 1LR. LAMP Services Limited are the appointed administrators of the claims on behalf of LAMPico

Please remember that it is always advisable to retain copies of all documents when submitting your Claim Form.

We will not make a benefit payment for any claim supported by a false declaration or found to be fraudulent, unfounded or intentionally exaggerated.  In such a case, Your cover will be cancelled and We have the right to recover the value of any expenses already incurred under the claim.

CORRESPONDENCE OR QUERIES ABOUT THIS POLICY

COMPLAINTS

We aim to provide a first class service. Should You have any cause for enquiry or complaint please write to JDC in the first instance quoting your Policy number. If you remain dissatisfied you should write to Us quoting your Policy number to:

Director Healthcare and SFR
LAMP Services Limited
Chester House
Harlands Road
Haywards Heath
West Sussex
RH16 1LR

Your complaint will be thoroughly considered and investigated, and We aim to give you a decision within four weeks*.  If We are unable to reach this target We will write to You explaining why and advising when We hope to reach a decision. Our decision is based on the evidence presented.  If You feel that there is any new evidence or information that may change Our decision You have the right to make an appeal. Should You remain dissatisfied You have the right to refer the matter directly to:

The Managing Director
LAMP Insurance Company Limited
260/262 Main Street
Gibraltar

The Managing Director will investigate Your complaint and Our handling of the matter, and will write to You giving LAMP’s final decision. Finally, if You are still dissatisfied or You have failed to receive a final decision from Us within eight weeks* of Our receipt of Your complaint You can refer case to:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

You will normally have six months from receiving Our final decision (or six months from Our eight week* window expiring) within which to refer Your complaint.

This referral service is additional to Your contractual rights under this Insurance.