Firm analysis

UK Insurance Limited complaint analysis

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

Page summary

3,725 published decisions involving UK Insurance Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

3,725

Firm-specific decision volume in the public corpus

Upheld rate

32.4%

1,206 upheld decisions

Latest published decision 18 Jun 2021

Published decisions

3,725

Firm-specific decision volume in the public corpus

Upheld rate

32.4%

1,206 upheld decisions

Leading product

Insurance (excluding PPI)

3,619 decisions

Leading complaint theme

Delay In Claim Handling

747 tagged decisions

UK Insurance Limited at a glance

UK Insurance Limited appears in 3,725 published decisions in this corpus. 32.4% 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 3,619 decisions and an upheld rate of 32.4%.

  • Latest active year in the published data: 2021 (5 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Icobs

Volume and outcome trajectory

UK Insurance Limited'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, UK Insurance Limited appeared in 5 published decisions with an upheld rate of 80.0%.

  • 2021: 5 decisions, 80.0% upheld
  • 2020: 242 decisions, 41.3% upheld
  • 2019: 477 decisions, 31.7% upheld
  • 2018: 564 decisions, 30.0% upheld
  • 2017: 494 decisions, 27.1% upheld

Themes, products, and precedent signals

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

Icobs, Disp, Insurance Act 2015, 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.

  • Insurance (excluding PPI): 3,619 decisions
  • Second complaint theme: Policy Wording Ambiguity
  • Second precedent signal: Disp

Representative cases

Recent published decisions in this slice

5 examples shown

DRN515483718 Jun 2021Not upheld

UK Insurance Limited · Insurance (excluding PPI)

Mr S complains that U K Insurance Limited (“UKI”) withdrew cover on his legal expenses insurance claim. background Mr S made a claim on his legal expenses policy. He wanted cover to take legal action against a garage that he done some repairs on his car, which he said had not been done pro... (4 pages)

View source decision
DRN218598216 Jun 2021Upheld

UK Insurance Limited · Insurance (excluding PPI)

Mr and Mrs F have complained about their home insurer U K Insurance Limited (UKI) in relation to a claim they made to it when oil was stolen from their home causing damage to their boiler and heating system. background Around 20 February 2018 Mr and Mrs F’s heating stopped working, they di... (8 pages)

View source decision
DRN548824920 May 2021Upheld

UK Insurance Limited · Insurance (excluding PPI)

Miss N complains that U K Insurance Limited (Sainsbury’s) mishandled her home insurance claim. She says it caused delays, didn’t complete the work as it should have done, and offered an unfair settlement. Miss N is being represented in this complaint. For ease, references to Miss N include... (8 pages)

View source decision
DRN029738523 Feb 2021Upheld

UK Insurance Limited · Insurance (excluding PPI)

Complaint Mr M is unhappy with the progress of his claim, and the subsequent decision not to pay for repairs, on his car insurance policy with U K Insurance Limited (“UKI”), following an accident. Any reference to UKI in this decision includes its agents. Background I issued a provisional ... (7 pages)

View source decision
DRN710962109 Feb 2021Upheld

UK Insurance Limited · Insurance (excluding PPI)

Mr M complains that U K Insurance Limited (UKI) unfairly declined a claim and voided his landlord’s insurance policy. background Mr M took out a commercial landlord’s insurance policy with UKI on 5 November 2018, to provide cover for a house he rents out. He says that on 2 December 2018 th... (3 pages)

View source decision