Sample Letter for Disputing Insurance Premium Increase

Drawing from my experience in writing numerous letters to dispute insurance premium increases, I’ll share insights to guide you in effectively challenging a rate hike in this article.

Key Takeaways

  • Understanding the Increase: Learn why insurance premiums can increase and the importance of understanding your policy.
  • Effective Communication: Tips for writing a clear, concise, and factual dispute letter.
  • Free Template: A customizable template to help you structure your dispute letter effectively.
  • Follow-up Strategy: Guidelines on how to follow up after sending your letter.
  • Real-Life Examples: Insights from personal experiences in disputing insurance premium increases.

This is not just about fighting a cost hike; it’s about understanding your rights and communicating effectively with your insurance provider.

Understanding the Reason for the Increase

Before you start writing your letter, it’s crucial to understand why your premium has increased. Insurance companies often raise premiums due to factors like increased risk, claim history, or changes in credit score. 

Review your policy and recent correspondences from your insurance company to pinpoint the reason for the hike.

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Key Points to Remember:

  1. Review your insurance policy.
  2. Check for any recent claims or changes in your risk profile.
  3. Understand the reason stated by the insurance company for the increase.

Steps to Write an Effective Dispute Letter

Step 1: Gather Information

Collect all necessary documents, including your insurance policy, recent correspondence regarding the premium increase, and any relevant supporting documents.

Step 2: Start with a Clear Introduction

Begin your letter by stating your purpose clearly. Include your policy number and any other relevant details.

Step 3: State Your Case

Present your arguments against the premium increase. If you believe the increase is unjustified based on your claim history or risk profile, state this clearly with supporting facts.

Step 4: Provide Evidence

Include any evidence that supports your case. This could be a clean driving record, home maintenance records, or anything that demonstrates a low-risk profile.

Step 5: Be Professional and Courteous

Always maintain a polite and professional tone. Avoid emotional language and stick to the facts.

Step 6: Request a Review

Ask the insurance company to review the increase and consider your arguments. Be clear about what you are requesting – a reversal or reduction of the increase.

Step 7: Close with Your Contact Information

Provide your contact details and express your willingness to discuss the matter further.

Sample Letter for Disputing Insurance Premium Increase Template

[Begin with your Name and Contact Information]
[Insurance Company Name and Address]

Subject: Dispute of Recent Premium Increase for Policy [Your Policy Number]

Dear [Insurance Company’s Name or Specific Contact Person],

I am writing to dispute the recent increase in my insurance premium for the policy referenced above. After reviewing my policy and the reasons provided for the increase, I believe that the hike is unjustified due to [briefly state your reasons, such as a clean claim history or unchanged risk profile].

[In this paragraph, provide details about your reasons. Include any relevant facts and figures. For example, mention the number of years you have been with the company without a claim, or any security measures you have implemented.]

I respectfully request that you review this increase and consider the information I have provided. My record as a [type of insurance, e.g., home, auto] policyholder demonstrates a low risk that does not justify the increased premium.

I am available for any further discussion or to provide additional documentation if required. You can contact me at [Your Contact Information].

Thank you for your attention to this matter. I look forward to your prompt response.


[Your Name]

Following Up After Sending the Letter

After sending your letter, it’s important to follow up. If you haven’t received a response within a reasonable time frame, consider a follow-up phone call or email. Keep a record of all communications for future reference.

Real-Life Example from My Experience

In one instance, I successfully disputed a 20% increase in my auto insurance premium. By presenting a five-year history of no claims and evidence of a defensive driving course I completed, the insurance company agreed to reassess the increase and eventually reduced it significantly.


Writing a dispute letter for an insurance premium increase can be daunting, but with the right approach, it’s achievable. Stay informed, be clear and factual in your communication, and follow up diligently. Your efforts could lead to a favorable outcome.

I’d love to hear about your experiences with disputing insurance premium increases. Have you tried writing a letter? What was the outcome? Share your stories and tips in the comments below!

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