The Insurance Ombudsman represents the interests of  people, who are entitled to indemnification due to the insurance contracts including victims of car accidents as well as the members of the Pension Fund.
In a situation when, in Your opinion,  the insurer or a Pension Found violates the law you can ask the Insurance Ombudsman for help.

The most frequent  problems are:

•    Overall or partial refusal to admit a claim for indemnification
•     Showing  an indolence when the action for damages is supposed to be carried over (what leads to the delay in settling of a claim)
•     Refusal to make the insurance files accessible
•    Refusal to send a copy of  the contract with the open Pension Fund.
•    Becoming a member of the Pension Fund as the effect of  a mistake ( loss of the right for  the early retirement).
•    Delayed assignment of a premium to the Pension Fund.

In order to make it possible for the Insurance Ombudsman to settle a dispute with the insurer a written complaint is required.

Here is the address where the correspondence should be sent:

Rzecznik Ubezpieczonych                     Biuro Rzecznika Ubezpieczonych
Halina Olendzka                                     Al. Jerozolimskie 44
Al. Jerozolimskie 44                               00-024 Warszawa
00-024 Warszawa

Every complaint should include:

•    The last and the first name of the complainant
•    The address of the complainant
•    Phone number of the complainant
•    PESEL, NIP and the number in Open Pension Fund ( applies to the members of the retirement fund).

In case when one person represents the other person’s interest an authorization is required.

A claim should include:

•    Brief description of the actual state of  the case and any actions taken so far in this matter
•    Reasons why You do not agree with the decision of the insurance company
•     Arguments proving Your claim against the insurance company
•    Your  statement as to the way You want the Insurance  Ombudsman to deal with Your complain ( an intervention in the insurance company or a legal opinion on the particular  matter).

All the observations and remarks concerning the way an insurance company settles Your claim present  valuable hints for the Insurance Ombudsman during  investigation of the individual cases. Moreover, they provide the Insurance Ombudsman with the information about the way the Open Retirement Funds treat their consumers.
To every complain You should add a copy of correspondence with the insurance company or other documents proving Your claim.
In case You do not have any documents, the following information is essential:

•    The name of the company You lodge a claim
•    Type of the insurance
•    Number of a policy, date and the place in which the insurance accident occurred

Lack of  required data makes it impossible for the Insurance Ombudsman  both to provide its opinion on the particular matter as well as to consider a  possible intervention in a case.
All the complains and letters which are send to the Insurance Ombudsman’s office are subsequently analyzed by a group of experts, who using the written form, give the actual information about steps taken in a particular matter.
We ask to sent Your complaints using the post office not by the e-mail. The exceptions  are
e-mails with a digital signature.


Investigation of the individual complaints is one of the widest area within which the Insurance Ombudsman operates. However,  it is bound to change as the Insurance Ombudsman branches out, becoming an important centre of information and insurance education.

Meeting Your needs we have opened the special phone support providing insurance guidance. Every day, during the specific hours, our experts are on the call (number +4822 333 37 328).

People who call for help are given the legal advice which enables them to settle the matter on their own or, if situation requires it, they are advised to lodge a written claim to the Insurance Ombudsman office. The phone line operates in Polish language only.

Personal data given when lodging a complaint will be processed by the Insurance Ombudsman with a registered seat in Warsaw, Al. Jerozolimskie 44, (according to the Polish law of August 29, 1997 on the protection of personal data Journal of Laws  2002  No. 101 item 926.). Data will be used to consider the complaint and for the archival needs. Every person has a right to access his/her personal data and to modify them.  Although, giving personal data is voluntary it is needed  for a complaint to be considered.