Complaint handling procedure

Our goal is to have satisfied members, clients and brokers and as a result customer feedback is important for us in order to keep developing our products and the services that we offer.

If you are or have in any way been dissatisfied with or have a complaint or an issue that you wish to report then we would like to hear from you.

Complaints relating to Assuranceforeningen Skuld (Gjensidig) insurance products and Skuld Marine Agency will be handled in accordance with the Skuld complaints procedure which is based upon Norwegian and European guidelines.

If you wish to register a complaint, we will need you to supply us with the following information:

  • Your name and contact details
  • The insurance cover or service about which you are complaining
  • Factual summary and details of issues causing dissatisfaction and leading to the complain

How to file a complaint:

  • E-mail:
  • Mailing address: P.O. Box 1376 Vika, NO-0114 Oslo, Norway,
    Att: Head of Compliance

A written confirmation will be sent within three working days and the anticipated time of handling all complaints are 14 days or less.

Skuld 1897 – Lloyd's Syndicate

If you are a Lloyd's policyholder and wish to make a complaint about the service you have received, we will investigate your concerns and attempt to resolve the matter to your satisfaction as quickly as possible.

How to file a complaint:

  • E-mail:
  • Address: Skuld Services Ltd, 6th Floor, 40 Lime Street, London, EC3M 7AW
  • Telephone: +44 (0)20 7398 0110

In the event that you remain dissatisfied you may, if you wish, refer your complaint to Lloyd's. Lloyd's will independently review your complaint, taking into account good insurance practice and whether all of the circumstances involved have been considered fairly.

Lloyd's contact details are as follows:

One Lime Street

Telephone: +44 (0)20 7327 5693
Fax: +44 (0)20 7327 5225

If you remain dissatisfied after Lloyd's has considered your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS). The Financial Ombudsman Service is an independent service in the UK for settling disputes between consumers and businesses providing financial services.

The FOS's contact details are as follows:

Financial Ombudsman Service
Exchange Tower
E14 9SR

Telephone: +44 (0)30 0123 9123