First.....

The complaint or dispute should always first be taken up in writing with the Insurance company or any other registered member thought to be at fault.

If the Insurance company or any registered member against whom a complaint is made have not been given the opportunity to issue their decision then the Insurance Regulatory Authority cannot deal with the matter.

Then…

The Insurance Regulatory Authority expects individuals who want to complain to first seek dialogue with their Insurer or registered intermediary or service provider. In many instances the dispute may arise due to lack of communication between the parties or misinterpretation of clauses in the policy terms and conditions.

Time limits:

As a general rule complaints and disputes should usually be made in writing to the Insurance Regulatory Authority within three (3) years of the act or omission complained about or disputed. If you did not know about the matter at the time, the three (3) years will run from the time that you knew or ought to have known about the act or omission.