Published decisions
50,456
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%
18,082 upheld decisions
Page summary
50,456 published FOS decisions in Insurance, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.
Published decisions
50,456
Product-specific decision volume in the public corpus
Upheld rate
35.8%
18,082 upheld decisions
Latest published decision 04 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
50,456
Product-specific decision volume in the public corpus
Upheld rate
35.8%
18,082 upheld decisions
Leading firm
U K Insurance Limited
2,882 decisions
Leading complaint theme
Delay In Claim Handling
2,340 tagged decisions
Insurance in the ombudsman corpus
Analysis50,456 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 1,333 published decisions with an upheld rate of 30.8%.
- 2026: 1,333 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-599462704 Aug 2026Not upheld
Aviva Insurance Limited · Insurance
Aviva Insurance Limited has already made an offer to pay Mr A £450 compensation. I find this offer to be fair in all the circumstances.
View source decisionDRN-612208804 Aug 2026Not upheld
Domestic & General Insurance Plc · Insurance
For the reasons given above, I don’t uphold Ms J’s complaint about Domestic & General Insurance Plc. Under the rules of the Financial Ombudsman Service, I’m required to ask Ms J to accept or reject my decision before 1 September 2026.
View source decisionDRN-618113304 Aug 2026Not upheld
Red Sands Insurance Company (Europe) Limited · Insurance
For the reasons given above, I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs S and Mr Y to accept or reject my decision before 1 September 2026.
View source decisionDRN-621326504 Aug 2026Upheld
Evolution Insurance Company Limited · Insurance
For the reasons I’ve given, I uphold Miss P’s complaint and Evolution Insurance Company Limited must: • reimburse £1,020 which Miss P paid for the independent pest control; • pay 8% per year simple interest* on the reimbursement amount from the date of payment to the date of settlement, and • pay £400 compensation for the distress and inconvenience Miss P experienced because of this matter. *If Evolution Insuranc...
View source decisionDRN-622731604 Aug 2026Not upheld
Wakam · Insurance
My final decision is that I do not uphold Mr W’s complaint against Wakam. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr W to accept or reject my decision before 1 September 2026.
View source decision