[Your address]

[Company address]

Dear [name of insurance company]

[Ref: policy number]

Thank you for your letter of [date], in which you rejected my claim against the above policy for [damage] on the grounds that [reason].

I refute your argument on the basis of the wording of the policy, [quote policy wording].

Furthermore, I enclose a report from a relevant expert, backing up my claim as follows [details of report].

This shows that the damage was caused by [cause], and was not in any way due to [neglect etc] that you suggest.

I am therefore covered by the terms of this policy, and expect you to reimburse me the sum of [£…] as detailed in my original claim of [date], within 14 days.

Yours faithfully,

Complaint about faulty goods

I bought a sewing machine from you on 25 October 2015. I paid £229.99.

I now find the goods have the following fault:

The machine stops working after half an hour and won’t work again for at least an hour.

Under the Consumer Rights Act 2015 goods you supply must be fit for purpose. As there was a problem with the goods when I bought them, I request that you give me a full refund.

I have enclosed a copy of the receipt in support of my claim.

Please respond within 14 days of receiving this letter.

Yours faithfully