Published decisions
3,619
Decision volume in this firm-product slice
Firm + product analysis
UK Insurance Limited in Insurance (excluding PPI)
A curated public analysis of UK Insurance Limited's published Financial Ombudsman decisions in Insurance (excluding PPI), including outcome context, complaint themes, precedent signals, and representative cases.
Page summary
3,619 published FOS decisions involving UK Insurance Limited in Insurance (excluding PPI), with upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
3,619
Decision volume in this firm-product slice
Upheld rate
32.4%
1,172 upheld decisions
Latest published decision 18 Jun 2021
Upheld rate
32.4%
1,172 upheld decisions
Latest active year
2021
5 decisions
Leading complaint theme
Delay In Claim Handling
723 tagged decisions
UK Insurance Limited in Insurance (excluding PPI)
UK Insurance Limited appears in 3,619 published decisions in Insurance (excluding PPI) across this corpus. 32.4% 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 5 published decisions and an upheld rate of 80.0%.
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Icobs
- Advisor risk signal for Insurance (excluding PPI): medium
How the slice behaves over time
UK Insurance Limited 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 UK Insurance Limited's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.
- 2021: 5 decisions, 80.0% upheld
- 2020: 240 decisions, 41.7% upheld
- 2019: 476 decisions, 31.7% upheld
- 2018: 562 decisions, 29.9% upheld
- 2017: 491 decisions, 27.1% 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
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 decisionDRN218598216 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 decisionDRN548824920 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 decisionDRN029738523 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 decisionDRN710962109 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