Firm analysis

Tesco Underwriting Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Tesco Underwriting Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

697 published decisions involving Tesco Underwriting Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

697

Firm-specific decision volume in the public corpus

Upheld rate

42.8%

298 upheld decisions

Latest published decision 30 Jan 2026

Published decisions

697

Firm-specific decision volume in the public corpus

Upheld rate

42.8%

298 upheld decisions

Leading product

Insurance (excluding PPI)

352 decisions

Leading complaint theme

Delay In Claim Handling

63 tagged decisions

Tesco Underwriting Limited at a glance

Tesco Underwriting Limited appears in 697 published decisions in this corpus. 42.8% 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 352 decisions and an upheld rate of 35.2%.

  • Latest active year in the published data: 2026 (2 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Disp

Volume and outcome trajectory

Tesco Underwriting Limited's decision trail runs from 2013 to 2026. 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, Tesco Underwriting Limited appeared in 2 published decisions with an upheld rate of 50.0%.

  • 2026: 2 decisions, 50.0% upheld
  • 2025: 84 decisions, 57.1% upheld
  • 2024: 74 decisions, 48.6% upheld
  • 2023: 61 decisions, 55.7% upheld
  • 2022: 44 decisions, 54.5% upheld

Themes, products, and precedent signals

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

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): 352 decisions
  • Second complaint theme: Non-disclosure Or Misrepresentation

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-601411730 Jan 2026Not upheld

Tesco Underwriting Limited · Insurance

Tesco Underwriting Limited has already made an offer to pay Mrs M £250 compensation. I find this offer to be fair in all the circumstances.

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DRN-586587829 Jan 2026Upheld

Tesco Underwriting Limited · Insurance

My final decision is that I uphold this complaint. I require Tesco Underwriting Limited to pay Mr and Mrs B: • A total of £150 compensation for distress and inconvenience (if any compensation has already been paid, this should be deducted from this amount).

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DRN-603358223 Dec 2025Upheld

Tesco Underwriting Limited · Insurance

DRN-6033582 The complaint Mr S has complained about the settlement of a motor insurance claim by Tesco Underwriting Limited. References to Tesco include its authorised agents. What happened The background to this complaint is well known to the parties and it serves no purpose for me to ... (2 pages)

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DRN-582309118 Dec 2025Not upheld

Tesco Underwriting Limited · Insurance

DRN-5823091 The complaint Mr M complains about Tesco Underwriting Limited’s response to a third-party (TP) claim against his motor insurance policy. What happened In November 2024 Mr M’s car was involved in a collision with a third-party’s vehicle. He didn’t claim for any damage to his... (2 pages)

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DRN-584900712 Dec 2025Not upheld

Tesco Underwriting Limited · Insurance

DRN-5849007 The complaint Mr N complains that Tesco Underwriting Limited unfairly handled a claim under his motor insurance policy. What happened The circumstances of this case are well known to both parties, but in summary, Mr N was involved in a road traffic accident in January 2025 a... (3 pages)

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