Скачать или смотреть Dealing With Insurance Disputes And Complaints In South Africa

Feeling hard done by or like your insurance hasn’t treated you fairly? Many South Africans are in a similar situation, often due to rejected insurance claims.

When clients get into a dispute with their insurance provider, they can approach a fair and impartial party to help resolve the issue: the NFO (The National Financial Ombud Scheme).


South African insurance policyholders can challenge a denied claim through the NFO.

This guide will give you insight into the complaint process in Mzansi’s insurance industry. We’ll explore the role of the National Financial Ombud Scheme and how to resolve insurance disputes in South Africa effectively.




The National Financial Ombud Scheme (NFO) is a free, impartial service that helps resolve disputes between policyholders and insurers.

NFO investigates claims rejections, poor service, and misleading policy communication and provides rulings that insurers must follow if you accept the decision, giving you a strong resolution option without court costs.

Before going to the Ombudsman, try to resolve the issue directly with your insurance provider, following their formal complaints process.

Gather documents such as your policy wording, correspondence records, insurer responses, and proof of financial loss to prepare your argument thoroughly.
Communicate clearly and professionally with your insurer and the Ombudsman—stick to facts, avoid emotional language, and follow up persistently.