Firm analysis

Royal & Sun Alliance Insurance Plc complaint analysis

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

Page summary

2,573 published decisions involving Royal & Sun Alliance Insurance Plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

2,573

Firm-specific decision volume in the public corpus

Upheld rate

33.0%

850 upheld decisions

Latest published decision 11 Nov 2021

Published decisions

2,573

Firm-specific decision volume in the public corpus

Upheld rate

33.0%

850 upheld decisions

Leading product

Insurance (excluding PPI)

1,977 decisions

Leading complaint theme

Delay In Claim Handling

405 tagged decisions

Royal & Sun Alliance Insurance Plc at a glance

Royal & Sun Alliance Insurance Plc appears in 2,573 published decisions in this corpus. 33.0% 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 1,977 decisions and an upheld rate of 34.1%.

  • Latest active year in the published data: 2021 (347 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Disp

Volume and outcome trajectory

Royal & Sun Alliance Insurance Plc's decision trail runs from 2013 to 2021. 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, Royal & Sun Alliance Insurance Plc appeared in 347 published decisions with an upheld rate of 30.3%.

  • 2021: 347 decisions, 30.3% upheld
  • 2020: 450 decisions, 42.4% upheld
  • 2019: 257 decisions, 34.2% upheld
  • 2018: 262 decisions, 34.0% upheld
  • 2017: 265 decisions, 29.4% upheld

Themes, products, and precedent signals

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

Disp, Icobs, Insurance Act 2015 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): 1,977 decisions
  • Second complaint theme: Policy Wording Ambiguity
  • Second precedent signal: Icobs

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-306202011 Nov 2021Not upheld

Royal & Sun Alliance Insurance Plc · Insurance

DRN-3062020 The complaint Mrs M complains about her insurance policy underwritten by Royal & Sun Alliance Insurance Plc (RSA). Although Mrs M’s complaint has been directed to the claims handler of this policy – as RSA were the underwrites, they would be responsible for any complaints. ... (3 pages)

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DRN-309388711 Nov 2021Not upheld

Royal & Sun Alliance Insurance Plc · Insurance

DRN-3093887 The complaint Mr D complains about Royal & Sun Alliance Insurance Plc’s decision to decline his home insurance claim for damage caused by an escape of water. What happened Mr D took out a home insurance with RSA towards the end of October 2020 for a property he was purchasi... (4 pages)

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DRN-311528709 Nov 2021Not upheld

Royal & Sun Alliance Insurance Plc · Insurance

DRN-3115287 The complaint Mrs Q complains about how Royal & Sun Alliance Insurance Plc (RSA) dealt with and settled a claim on her car insurance policy. What happened Mrs Q was involved in an accident in her car with a third party, so she claimed on her policy. Mrs Q said the third par... (2 pages)

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DRN-281207208 Nov 2021Upheld

Royal & Sun Alliance Insurance Plc · Insurance

DRN-2812072 The complaint Mr and Mrs H are unhappy with Royal & Sun Alliance Insurance Plc (“RSA”)’s handling of a claim made under their home insurance policy. All references to RSA include its appointed agents. What happened The background and subsequent developments to this claim ar... (8 pages)

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DRN-309343405 Nov 2021Upheld

Royal & Sun Alliance Insurance Plc · Insurance

DRN-3093434 The complaint Mrs L complains about Royal & Sun Alliance Insurance Plc’s (RSA) handling of her claim following an escape of water under her building insurance policy. What happened In November 2020 Mrs L returned home to find a spray of hot water and steam escaping in her k... (5 pages)

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