Published decisions
50,677
Product-specific decision volume in the public corpus
Product analysis
Insurance complaint analysis
A public view of how Insurance performs in the published Financial Ombudsman decisions dataset, including volume, outcome mix, firm exposure, and recurring complaint themes.
Upheld rate
35.8%
18,150 upheld decisions
Page summary
50,677 published FOS decisions in Insurance, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.
Published decisions
50,677
Product-specific decision volume in the public corpus
Upheld rate
35.8%
18,150 upheld decisions
Latest published decision 25 Aug 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
50,677
Product-specific decision volume in the public corpus
Upheld rate
35.8%
18,150 upheld decisions
Leading firm
U K Insurance Limited
2,895 decisions
Leading complaint theme
Delay In Claim Handling
2,414 tagged decisions
Insurance in the ombudsman corpus
Analysis50,677 published decisions in this corpus sit within Insurance. 35.8% of those decisions were upheld, which makes this a useful public category page for spotting where complaint outcomes have tended to land.
U K Insurance Limited is the single biggest firm exposure inside Insurance in the published decision set. Delay In Claim Handling is the leading complaint theme in the same category.
- Latest year in the product series: 2026
- Leading precedent signal: Consumer Credit Act 1974
- Advisor uphold-risk signal: medium
How the product moved over time
AnalysisInsurance has a multi-year decision trail in the corpus, which makes it possible to compare recent complaint pressure against earlier years rather than relying on a single snapshot.
In 2026, Insurance recorded 1,554 published decisions with an upheld rate of 30.8%.
- 2026: 1,554 decisions, 30.8% upheld
- 2025: 8,041 decisions, 39.0% upheld
- 2024: 7,493 decisions, 47.3% upheld
- 2023: 7,878 decisions, 46.6% upheld
- 2022: 7,749 decisions, 34.9% upheld
Themes, precedent signals, and handling implications
Analysisdelay in claim handling, non-disclosure or misrepresentation, fraud or scam concern, and others are the strongest complaint-theme signals in Insurance. For public analysis, those tags are the closest durable “type” layer available in the dataset.
The existing advisor model also points to recurring handling implications for Insurance, including review consumer credit act 1974 precedent (appears in 1.3% of cases), review section 140a cca precedent (appears in 1.1% of cases), and others.
- Leading complaint theme: Delay In Claim Handling
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-616470525 Aug 2026Upheld
Wesleyan Assurance Society · Insurance
For the reasons I’ve explained, I’m satisfied that the offer now made to resolve this complaint is fair and reasonable. To put things right, Wesleyan Assurance Society must pay Ms D a total of £450 to address the distress caused.
View source decisionDRN-623298925 Aug 2026Upheld
Accelerant Insurance UK Limited · Insurance
I uphold Mr C’s complaint against Accelerant Insurance UK Limited. I now direct Accelerant Insurance UK Limited to settle and pay Mr C using the formula set out above.
View source decisionDRN-625376925 Aug 2026Not upheld
Vitality Health Limited · Insurance
For the reasons I’ve outlined above, I don’t uphold Mr T’s complaint about Vitality Health Limited. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr T to accept or reject my decision before 22 September 2026.
View source decisionDRN-627576725 Aug 2026Upheld
U K Insurance Limited · Insurance
My final decision is that I uphold this complaint and direct U K Insurance Limited to: • Pay Mrs S and Mr S £1,017. 75 in settlement of their claim (if it hasn’t done so already) • Pay Mrs S and Mr S £150 in recognition of the distress and inconvenience it caused during its claim handling (if it hasn’t done so already) Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs S and Mr S to accept...
View source decisionDRN-631179325 Aug 2026Not upheld
Xbridge Limited · Insurance
For the reasons set out above, I don’t uphold C’s complaint against Xbridge Limited trading as Simply Business. Under the rules of the Financial Ombudsman Service, I’m required to ask C to accept or reject my decision before 22 September 2026.
View source decision