Write back to your insurance company explaining the situation and include a copy of the reply from TAM Airlines. Tell them that you would like to initiate their complaints procedure if they cannot meet your claim. After you have exhausted their complaints procedure (copy of which should be available through your Policy Document) you can then address your complaints to the Financial Ombudsman if you are not satisfied.
A standard wording is as follows from a travel policy:
If it is impossible to reach an agreement, You have the right to make an appeal to the Financial Services Ombudsman’s
Bureau, Third Floor, Lincoln House, Lincoln Place, Dublin 2, Republic of Ireland.
Telephone: 00353 (1) 6620 899
Fax: 00353 (1) 6620 890
Email:
enquiries@financialombudsman.ie
Web: [broken link removed]
Please note that the Ombudsman will not consider Your case until You have followed the internal complaints procedure by
writing to Our General Manager, as outlined above. Please quote Your insurance reference number and/or Your claim
number in all Your correspondence to all parties involved with this procedure. This procedure is intended to provide You
with a prompt and practical service with any complaint that You may have.