Any enquirey or complaint should initially be addressed to the PxL Helpdesk.  Please provide relevant details of your insurance or have this information available before you call.
If you are not satisfied a complaint should be addressed to the Managing Director at either PxL Associates Ltd or WIMS Ltd at the following address.

If PxL or WIMS Ltd are unable to resolve your complaint you should address complaints to:

Amtrust International Underwriters Limited Claims Manager 122 Lower Baggot Street Dublin 2 Ireland	Norwich Union The Managing Director UK General Insurance Norwich Union Surrey Street Norwich NR1 3NS
Prestige Home Home Underwriter Prestige Underwriting Services Ltd Astra House Christy Way Southfields Basildon Essex SS15 6TQ	Motorist Services Limited (Prestige) The Claims Manager Strathblane House Ashfield Road Cheadle Cheshire SK8 1BB
Sterling Life Limited The Managing Director Whittaker House Whittaker Avenue Richmond Upon Thames Surrey TW9 1EH

If after making a complaint you are still unhappy and feel the matter has not been resolved to your satisfaction please contact the Financial Ombudsman Service.

They can be contacted at South Quay Plaza, 183 Marsh Well, London, E14 9SR.

If you approach the Financial Ombudsman Service this will not affect your rights to take legal action if you so wish at a later date.

WIMS Ltd and PxL are members of the General Insurance Standard Council who can supply information on the Code, Membership and dispute resolution procedure. They can be contacted at General Insurance Standards Council, 110 Canon Street, London EC4N 6EU Tel: 020 7648 7810.

Arbitration (Prestige HSBC Ireland)

Should you remain dissatisfied, HSBC Insurance (Ireland) Ltd is a member of the Personal Insurance Arbitration Service (PIAS). In the event of a dispute, you may refer the matter to an independent Arbitrator, appointed by the President or Vice President of the Chartered Institute of Arbitrators under the Scope and Rules of the PIAS. There is no cost for you using this scheme, save for the costs of preparing and submitting your case. Further details can be obtained from HSBC Insurance (Ireland) Ltd or from the Chartered Institute of Arbitrators at 12 Bloomsbury Square, London, WC1A 2LP. In all communications the policy number appearing in line one of the schedule should be quoted.

Law Applicable

We propose to choose English Law as the law which applies to this Plan, unless you ask for another law and we agree to this in writing before the commencement of any of the plans.

IMPORTANT NOTE

The Ombudsman will only consider a complaint if you’ve given ourselves and the insurer an opportunity to resolve it and if you are a private policy holder. Following these procedures will not affect your right to take legal action.