Published decisions
1,034
Decision volume in this firm-product slice
Firm + product analysis
AXA France IARD in Insurance
A curated public analysis of AXA France IARD's published Financial Ombudsman decisions in Insurance, including outcome context, complaint themes, precedent signals, and representative cases.
Page summary
1,034 published FOS decisions involving AXA France IARD in Insurance, with upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
1,034
Decision volume in this firm-product slice
Upheld rate
20.6%
213 upheld decisions
Latest published decision 22 Dec 2025
Upheld rate
20.6%
213 upheld decisions
Latest active year
2025
4 decisions
Leading complaint theme
Non-disclosure Or Misrepresentation
80 tagged decisions
AXA France IARD in Insurance
AXA France IARD appears in 1,034 published decisions in Insurance across this corpus. 20.6% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.
The latest year represented in this slice is 2025, with 4 published decisions and an upheld rate of 75.0%.
- Leading complaint theme: Non-disclosure Or Misrepresentation
- Leading precedent signal: Disp
- Advisor risk signal for Insurance: medium
How the slice behaves over time
AXA France IARD has a multi-year published decision trail in Insurance, which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.
Insurance remains a meaningful part of AXA France IARD's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.
- 2025: 4 decisions, 75.0% upheld
- 2024: 2 decisions, 50.0% upheld
- 2023: 6 decisions, 50.0% upheld
- 2022: 59 decisions, 11.9% upheld
- 2021: 375 decisions, 11.7% upheld
Themes, precedent context, and handling implications
Non-disclosure Or Misrepresentation is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.
The product advisory layer also points to recurring handling implications, including review consumer credit act 1974 precedent (appears in 1.3% of cases), review section 140a cca precedent (appears in 1.1% of cases), review disp precedent (appears in 0.3% of cases), and others.
- Second complaint theme: Affordability Assessment Failure
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-603332722 Dec 2025Upheld
AXA France IARD · Insurance
DRN-6033327 The complaint Mr C complains about AXA France IARD (“AXA”) and their decision to decline the claim he made on his Guaranteed Asset Protection (“GAP”) insurance policy. What happened The claim and complaint circumstances are well known to both parties. So, I don’t intend to l... (4 pages)
View source decisionDRN-584412826 Sept 2025Upheld
AXA France IARD · Insurance
DRN-5844128 The complaint Mr W complains that AXA France IARD declined a claim on his Guaranteed Asset Protection (GAP) policy. What happened Mr W took out a GAP policy with AXA in December 2020. In November 2023, Mr W was involved in a road traffic accident. He raised a claim but it wa... (4 pages)
View source decisionDRN-564125118 Aug 2025Upheld
AXA France IARD · Insurance
DRN-5641251 The complaint Mr P has complained after he made a claim under his Guaranteed Asset Protection (“GAP”) insurance policy with AXA France IARD (AXA). AXA have delegated the claim and complaint management for Mr P’s case, but for ease I will refer to all actions and comments as ... (2 pages)
View source decisionDRN-544800616 May 2025Not upheld
AXA France IARD · Insurance
DRN-5448006 The complaint Mr S complains that AXA France IARD (AXA) declined a claim he made on his Guaranteed Asset Protection (GAP) insurance policy. Reference to AXA includes its agents. What happened Mr S held a GAP insurance policy with AXA. Mr S made a claim on the policy after he... (2 pages)
View source decisionDRN-483078917 Jun 2024Upheld
AXA France IARD · Insurance
DRN-4830789 The complaint Mr P is unhappy about the way AXA France IARD (AXA) handled a claim on his personal accident insurance policy, including its decision to pay only a proportion of his permanent total disability (PTD) claim, and to decline a claim for his loss of use of limbs. What ... (10 pages)
View source decision