Firm + product analysis

Royal & Sun Alliance Insurance Plc in Insurance (excluding PPI)

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

Page summary

1,977 published FOS decisions involving Royal & Sun Alliance Insurance Plc in Insurance (excluding PPI), with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,977

Decision volume in this firm-product slice

Upheld rate

34.1%

674 upheld decisions

Latest published decision 29 Mar 2021

Published decisions

1,977

Decision volume in this firm-product slice

Upheld rate

34.1%

674 upheld decisions

Latest active year

2021

7 decisions

Leading complaint theme

Delay In Claim Handling

379 tagged decisions

Royal & Sun Alliance Insurance Plc in Insurance (excluding PPI)

Royal & Sun Alliance Insurance Plc appears in 1,977 published decisions in Insurance (excluding PPI) across this corpus. 34.1% 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 2021, with 7 published decisions and an upheld rate of 85.7%.

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

How the slice behaves over time

Royal & Sun Alliance Insurance Plc has a multi-year published decision trail in Insurance (excluding PPI), which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.

Insurance (excluding PPI) remains a meaningful part of Royal & Sun Alliance Insurance Plc's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.

  • 2021: 7 decisions, 85.7% upheld
  • 2020: 248 decisions, 50.4% upheld
  • 2019: 253 decisions, 34.8% upheld
  • 2018: 260 decisions, 34.2% upheld
  • 2017: 263 decisions, 29.7% 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 disp precedent (appears in 0.5% of cases), review icobs precedent (appears in 0.5% of cases), review insurance act 2015 precedent (appears in 0.2% of cases), and others.

  • Second complaint theme: Policy Wording Ambiguity

Representative cases

Recent published decisions in this slice

5 examples shown

DRN329636229 Mar 2021Not upheld

Royal & Sun Alliance Insurance Plc · Insurance (excluding PPI)

Mr S is unhappy that Royal & Sun Alliance Insurance Plc has rejected a claim he made on his personal accident policy. background In 2016 Mr S suffered an injury to his right hip following a fall. He was admitted to hospital and was diagnosed with a longitudinal fracture towards the mid... (3 pages)

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DRN917496627 Mar 2021Upheld

Royal & Sun Alliance Insurance Plc · Insurance (excluding PPI)

Mrs D, represented by her daughter and live-in carer, Ms D, has complained about her home insurer Royal & Sun Alliance Insurance Plc in relation to its settlement offer made to resolve snagging issues related to insured repairs it undertook, and about the underfloor heating system it r... (8 pages)

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DRN206819903 Mar 2021Upheld

Royal & Sun Alliance Insurance Plc · Insurance (excluding PPI)

Mr and Mrs B’s complaint is about a home insurance policy they held with Royal & Sun Alliance Plc (RSA). They are unhappy that when they made a claim for subsidence damage to their home in 2018, RSA accused them of not having declared a previous subsidence claim when they took the poli... (5 pages)

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DRN869599126 Feb 2021Upheld

Royal & Sun Alliance Insurance Plc · Insurance (excluding PPI)

Mr and Mrs A complain about the way Royal & Sun Alliance Insurance Plc (“RSA”) handled their home insurance claim for damage caused by an escape of water. Their complaint is brought on their behalf by their son, Mr P (who also lives at the property). background In September 2018, there... (19 pages)

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DRN034245315 Feb 2021Upheld

Royal & Sun Alliance Insurance Plc · Insurance (excluding PPI)

Mr A complains that Royal & Sun Alliance Insurance Plc (“RSA”) has poorly handled a claim he made under his buildings insurance policy. To keep things simple, any reference I make to RSA includes its agents unless specified. background This complaint concerns events up until RSA’s fina... (3 pages)

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