Firm analysis

Pinnacle Insurance Plc complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Pinnacle Insurance Plc, including outcome context, product mix, complaint themes, and representative cases.

Page summary

498 published decisions involving Pinnacle Insurance Plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

498

Firm-specific decision volume in the public corpus

Upheld rate

30.5%

152 upheld decisions

Latest published decision 11 Apr 2025

Published decisions

498

Firm-specific decision volume in the public corpus

Upheld rate

30.5%

152 upheld decisions

Leading product

Insurance (excluding PPI)

222 decisions

Leading complaint theme

Delay In Claim Handling

26 tagged decisions

Pinnacle Insurance Plc at a glance

Pinnacle Insurance Plc appears in 498 published decisions in this corpus. 30.5% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Insurance (excluding PPI) is the firm’s clearest product exposure in the published decisions, with 222 decisions and an upheld rate of 39.6%.

  • Latest active year in the published data: 2025 (7 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

Pinnacle Insurance Plc's decision trail runs from 2013 to 2025. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Pinnacle Insurance Plc appeared in 7 published decisions with an upheld rate of 28.6%.

  • 2025: 7 decisions, 28.6% upheld
  • 2024: 26 decisions, 15.4% upheld
  • 2023: 32 decisions, 37.5% upheld
  • 2022: 22 decisions, 18.2% upheld
  • 2021: 21 decisions, 14.3% upheld

Themes, products, and precedent signals

Delay In Claim Handling is the strongest complaint-theme signal tied to Pinnacle Insurance Plc in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Consumer Credit Act 1974, Disp are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Insurance (excluding PPI): 222 decisions
  • Second complaint theme: Policy Wording Ambiguity
  • Second precedent signal: Disp

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-544600811 Apr 2025Not upheld

Pinnacle Insurance Plc · Insurance

DRN-5446008 The complaint Mr W’s complaint is about a claim he made on his Pinnacle Insurance Plc (‘Pinnacle’) pet insurance policy, which Pinnacle declined. Mr W says Pinnacle treated him unfairly. What happened Mr W took out a lifetime pet insurance policy underwritten by Pinnacle on ... (3 pages)

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DRN-539006527 Mar 2025Not upheld

Pinnacle Insurance Plc · Insurance

DRN-5390065 The complaint Mrs H complains Pinnacle Insurance Plc (“Pinnacle”) has unfairly declined a claim she made on a pet insurance policy. What happened What follows is intended to be a summary of the background behind Mrs H’s complaint. It isn’t intended to be a detailed timeline ... (4 pages)

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DRN-533374824 Mar 2025Not upheld

Pinnacle Insurance Plc · Insurance

DRN-5333748 The complaint Mr P is unhappy that Pinnacle Insurance Plc deducted two policy excesses from his pet insurance claim. What happened Mr P held a pet insurance policy for his dog, underwritten by Pinnacle. Mr P’s dog had an ear infection. Mr P incurred vet costs to treat this o... (4 pages)

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DRN-529617028 Feb 2025Not upheld

Pinnacle Insurance Plc · Insurance

DRN-5296170 The complaint Ms V made a claim on her Pinnacle Insurance Plc (‘Pinnacle’) pet insurance policy, which Pinnacle declined. Ms V says Pinnacle treated her unfairly. What happened Ms V took out a pet insurance policy with Pinnacle in March 2023. In December 2023 Ms V made a cla... (3 pages)

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DRN-532328012 Feb 2025Upheld

Pinnacle Insurance Plc · Insurance

DRN-5323280 The complaint Ms J complains that Pinnacle Insurance Plc (“Pinnacle”) declined a claim she made on her pet insurance policy. What happened Ms J has a ten-year-old house cat who is a pedigree breed and doesn’t go outside. Ms J says because th... (3 pages)

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