Complaints

Customer Complaints

We’re Here to Help

At Puffin Insurance, we are committed to providing a high standard of service and treating customers fairly at all times. If something has not met your expectations, we want to hear from you so we can work to resolve the issue as quickly and fairly as possible.

We take all complaints seriously and use customer feedback to help improve our products and services.


Who Handles Your Complaint?

To make sure your concerns are dealt with as efficiently as possible, complaints are handled by different teams depending on the nature of the issue.

Complaints We Handle

As an insurance intermediary, we handle complaints relating to the sale and administration of travel and pet insurance policies, including:

  • Purchasing or renewing a policy
  • Information provided before sale
  • Changes to your policy
  • Cancellation requests
  • Documentation or communication issues
  • Customer service relating to your insurance arrangement

Our team will investigate these complaints fully and work with you to reach a fair resolution.


Complaints About Claims

If your complaint relates specifically to the handling of an insurance claim — such as claims decisions, settlement times, claims communication, or claims payments — the insurer or claims administrator managing the claim will usually be best placed to investigate the matter directly.

We understand that this can sometimes be unclear, and we are always happy to help direct you to the correct team if needed.

Claims complaints contact details can be found:

  • In the complaints section of your policy documents

Alternatively, you can contact us and we will help guide you to the appropriate claims complaints team.


How to Make a Complaint

To help us investigate your concerns as efficiently as possible, please include:

  • Your full name and contact details
  • Policy number or reference number
  • Details of your complaint
  • Any supporting documents or correspondence

You can contact our Complaints Teams using any of the methods below:

Sales and Administration Complaints

Customer Service Team: Puffin Insurance
Telephone: 0333 772 0346
Email: Complaints@PuffinInsurance.com
Post: Complaints Manager, Puffin Group UK Ltd, PO Box 56, Narberth, SA67 9AN

Travel Insurance Claims Complaints

Claims Team: Axa Partners
Telephone: 01737 815227
Email: claimcomplaints@axa-assistance.co.uk
Post: Complaints Team, AXA Partners, The Quadrangle, 106-118 Station Road, Redhill RH1 1PR.

Gadget Insurance Claims Complaints

Claims Team: Taurus
Email: Gadget.complaints@taurus.gi
Post: Customer Relations Officer, Taurus Insurance Services Limited, Suite 2209-2217 Eurotowers;Europort Road, Gibraltar

Pet Insurance Claims Complaints

Claims Team: Trent-Services (Administration) Ltd
Telephone: 01623 638751
Email: admin@trent-services.co.uk
Post: Trent-Services (Administration) Ltd, Trent House, Love Lane, Cirencester, Gloucestershire, GL7 1XD


Our Complaints Process

Step 1 - Acknowledgment

We will acknowledge your complaint promptly, usually within 5 business days of receiving it.

Step 2 - Investigation

Your complaint will be investigated thoroughly and fairly by an appropriate member of our team.

We may contact you if we require additional information to assist with our review.

Step 3 - Final Response

We aim to resolve complaints as quickly as possible and will keep you updated on our progress where necessary.

Once our investigation is complete, we will provide a written final response explaining:

  • The outcome of our investigation
  • Any actions we have taken
  • What to do next if you remain dissatisfied

Full details of our complaints process can be found here


If You Are Not Satisfied

If you remain dissatisfied after receiving our final response, or if eight weeks have passed since you first raised your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service.

The Financial Ombudsman Service is an independent organisation that helps resolve disputes between consumers and financial services firms.

Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Telephone: 0800 023 4567
Website: www.financial-ombudsman.org.uk

Referring your complaint to the Financial Ombudsman Service does not affect your legal rights.


FCA Regulation

Puffin Insurance is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 737328.

You can check our details on the Financial Services Register at:
https://register.fca.org.uk


Accessibility Support

If you require this information in large print, audio, or another accessible format, please contact us and we will be happy to help.