What To Do When An Insurance Company In Nigeria Is Delaying Your Claim

In the event of any delay in claims processing with an insurance company, the first step to take is to ascertain the cause of the delay, and find out if the claims have been fully documented or if there has been a breach of any of the contract/policy terms or conditions. Notwithstanding the findings, from the above enquiries, the
insured or claimant has the following options of redress or pursuing their rights. i)

A formal report could be made to the relevant body of Insurers Trade Association-NIA that has in place an OMBUDSMAN panel saddled with the responsibility to investigate and resolve such cases. – A formal report can also be made to the sectors Regulators-The National Insurance Commission (NAICOM) that has always handled and resolved cases brought before the commission. –

The insured or claimant at his discretion can also institute a legal action in pursuance of their right under the motor insurance policy contract. THE WAY FORWARD It is high time for the insurers to place more emphasize on consumerism in their practice, whereby they go the extra mile in the packaging and delivery of their products and services to the ultimate satisfaction of their consumers.

The adoption of after sales services to compliment their marketing strategies and efforts could be rewarding to all concerned. In like manner, the Nigerian insurance buying public should be a lot more proactive and willing to imbibe insurance education and awareness, while demanding for the utmost from their insurance services providers.

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