Firm analysis

St Andrew's Insurance plc complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving St Andrew's Insurance plc, including outcome context, product mix, complaint themes, and representative cases.

Page summary

1,072 published decisions involving St Andrew's Insurance plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,072

Firm-specific decision volume in the public corpus

Upheld rate

18.6%

199 upheld decisions

Latest published decision 19 Dec 2025

Published decisions

1,072

Firm-specific decision volume in the public corpus

Upheld rate

18.6%

199 upheld decisions

Leading product

Payment protection insurance (PPI)

525 decisions

Leading complaint theme

Delay In Claim Handling

136 tagged decisions

St Andrew's Insurance plc at a glance

St Andrew's Insurance plc appears in 1,072 published decisions in this corpus. 18.6% 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.

Payment protection insurance (PPI) is the firm’s clearest product exposure in the published decisions, with 525 decisions and an upheld rate of 8.8%.

  • Latest active year in the published data: 2025 (10 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Disp

Volume and outcome trajectory

St Andrew's 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, St Andrew's Insurance plc appeared in 10 published decisions with an upheld rate of 30.0%.

  • 2025: 10 decisions, 30.0% upheld
  • 2024: 10 decisions, 50.0% upheld
  • 2023: 15 decisions, 20.0% upheld
  • 2022: 33 decisions, 30.3% upheld
  • 2021: 81 decisions, 18.5% upheld

Themes, products, and precedent signals

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

Disp, Consumer Credit Act 1974, Icobs, and others 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.

  • Payment protection insurance (PPI): 525 decisions
  • Second complaint theme: Affordability Assessment Failure
  • Second precedent signal: Consumer Credit Act 1974

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-602935519 Dec 2025Not upheld

St Andrew's Insurance plc · Insurance

DRN-6029355 The complaint Miss S has complained that St. Andrew’s Insurance plc has underpaid a claim she made on a mortgage payment protection insurance (PPI) policy. What happened Miss S became unemployed in May 2025 and therefore made a claim on the policy. The claim was accepted bu... (2 pages)

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DRN-570588717 Sept 2025Upheld

St Andrew's Insurance plc · Insurance

DRN-5705887 The complaint Ms B complains about St Andrew’s Insurance Plc (“SAI”) and the way her home insurance claim has been handled. What happened The claim and complaint circumstances are well known to both parties. So, I don’t intend to list them chronologically in detail. But to s... (5 pages)

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DRN-563830924 Jun 2025Not upheld

St Andrew's Insurance plc · Insurance

DRN-5638309 The complaint Mrs A and the estate of the late Mr A have complained that St Andrew’s Insurance Plc hasn’t fully settled a claim made on a credit card payment protection insurance (PPI) policy. It is the son of the late Mr A who is leading on the complaint. However, for ease... (2 pages)

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DRN-556024603 Jun 2025Not upheld

St Andrew's Insurance plc · Insurance

DRN-5560246 The complaint Miss P has complained that St. Andrew’s Insurance Plc underpaid claims she made on a mortgage payment protection insurance (MPPI) policy and that it will not undertake to pay any future claims on the original terms. What happened Miss P took out the MPPI at th... (4 pages)

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DRN-544931814 May 2025Upheld

St Andrew's Insurance plc · Insurance

DRN-5449318 The complaint Mr C and Miss W have complained about their property insurer St Andrew’s Insurance Plc regarding a claim they made to if for subsidence in 2014, which was not resolved until spring 2024. For ease of reading I’ll mainly only refer to Miss W during the body of m... (3 pages)

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