In addition to the Consumer Disputes Board, insurance matters are considered by the Finnish Financial Ombudsman Bureau, which provides customers with advice on issues related to insurance, banking and securities.
The Consumer Disputes Board only examines issues related to voluntary insurance policies. It does not examine issues related to statutory insurance, such as motor liability insurance, workers’ compensation insurance and pension insurance. Instructions for appealing against the insurer's decision are provided in the claims settlement decision. The instructions also specify the time period during which the appeal must be submitted.
The Consumer Disputes Board does not handle liability insurance unless a consumer issue is in question. An insurance policy must clearly be in the name of the consumer concerned, or the damage must have been caused in the context of a contractual relationship between a consumer and a business. For example, a consumer cannot file a complaint to the Consumer Disputes Board concerning injuries caused by slipping when a housing corporation or a municipality's insurance company has refused to pay compensation.
The Finnish Financial Ombudsman Bureau
Consumer Disputes Board