Firm + product analysis

Royal & Sun Alliance Insurance Limited in Insurance

A curated public analysis of Royal & Sun Alliance Insurance Limited's published Financial Ombudsman decisions in Insurance, including outcome context, complaint themes, precedent signals, and representative cases.

Page summary

1,372 published FOS decisions involving Royal & Sun Alliance Insurance Limited in Insurance, with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,372

Decision volume in this firm-product slice

Upheld rate

40.5%

555 upheld decisions

Latest published decision 29 Aug 2025

Published decisions

1,372

Decision volume in this firm-product slice

Upheld rate

40.5%

555 upheld decisions

Latest active year

2025

226 decisions

Leading complaint theme

Delay In Claim Handling

55 tagged decisions

Royal & Sun Alliance Insurance Limited in Insurance

Royal & Sun Alliance Insurance Limited appears in 1,372 published decisions in Insurance across this corpus. 40.5% 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 226 published decisions and an upheld rate of 38.5%.

  • Leading complaint theme: Delay In Claim Handling
  • Leading precedent signal: Disp
  • Advisor risk signal for Insurance: medium

How the slice behaves over time

Royal & Sun Alliance Insurance Limited 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 Royal & Sun Alliance Insurance Limited's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.

  • 2025: 226 decisions, 38.5% upheld
  • 2024: 306 decisions, 46.1% upheld
  • 2023: 391 decisions, 44.8% upheld
  • 2022: 395 decisions, 34.2% upheld
  • 2021: 54 decisions, 31.5% upheld

Themes, precedent context, and handling implications

Delay In Claim Handling 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: Fraud Or Scam Concern

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-572088329 Aug 2025Not upheld

Royal & Sun Alliance Insurance Limited · Insurance

DRN-5720883 The complaint Mr A complains that Royal & Sun Alliance Insurance Limited (“RSA”) trading as More Th>n declined a claim on his legal expenses insurance policy. Where I refer to RSA, this includes its agents and claims handlers acting on its behalf. What happened Mr A t... (2 pages)

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DRN-577684029 Aug 2025Upheld

Royal & Sun Alliance Insurance Limited · Insurance

DRN-5776840 The complaint Miss H has complained about Royal & Sun Alliance Insurance Limited. She isn’t happy about the valuation of her car after it was deemed a total loss following a claim under her motor insurance policy and the poor service she received. What happened Miss H ma... (3 pages)

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DRN-559290928 Aug 2025Not upheld

Royal & Sun Alliance Insurance Limited · Insurance

DRN-5592909 The complaint Mrs B complains that Royal & Sun Alliance Insurance Limited (RSA) unfairly declined a claim she made under her commercial property insurance policy. Mrs B has been represented by third parties during the claims and complaints process. But, for ease, I’ll re... (3 pages)

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DRN-563178928 Aug 2025Not upheld

Royal & Sun Alliance Insurance Limited · Insurance

DRN-5631789 The complaint Mr M is unhappy that his home insurance policy was voided because Royal & Sun Alliance Insurance Limited (“RSA”), trading as More Th>n, recorded home emergency claims on the insurance database, Claims Underwriting Exchange (“CUE”). What happened When Mr ... (3 pages)

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DRN-578072928 Aug 2025Upheld

Royal & Sun Alliance Insurance Limited · Insurance

DRN-5780729 The complaint Mrs A and Mr D complain that Royal & Sun Alliance Insurance Plc (RSA) have failed to settle their claim, provided poor service when dealing with their claim for an escape of water. What happened Mrs A and Mr D held a buildings and contents insurance policy... (4 pages)

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