Published decisions
51,008
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%
18,249 upheld decisions
Page summary
51,008 published FOS decisions in Insurance, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.
Published decisions
51,008
Product-specific decision volume in the public corpus
Upheld rate
35.8%
18,249 upheld decisions
Latest published decision 15 Sept 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
51,008
Product-specific decision volume in the public corpus
Upheld rate
35.8%
18,249 upheld decisions
Leading firm
U K Insurance Limited
2,914 decisions
Leading complaint theme
Delay In Claim Handling
2,527 tagged decisions
Insurance in the ombudsman corpus
Analysis51,008 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 1,885 published decisions with an upheld rate of 30.7%.
- 2026: 1,885 decisions, 30.7% 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, policy wording ambiguity, 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-619163515 Sept 2026Not upheld
National House-Building Council · Insurance
My final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr H to accept or reject my decision before 13 October 2026.
View source decisionDRN-622695915 Sept 2026Not upheld
Domestic & General Insurance Plc · Insurance
For the reasons outlined above, my final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr M to accept or reject my decision before 13 October 2026.
View source decisionDRN-627883015 Sept 2026Not upheld
INTACT INSURANCE UK LIMITED · Insurance
It’s my final decision that the offer of £100 made by Intact Insurance UK Limited is fair compensation for the distress and inconvenience caused to Mr and Mrs G. If it has not already, I require that it pay that sum to Mr and Mrs G.
View source decisionDRN-630176515 Sept 2026Not upheld
Western Provident Association Limited · Insurance
For the reasons I’ve given, it’s my final decision that I do not uphold this complaint and I make no award against Western Provident Association Limited. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr K to accept or reject my decision before 13 October 2026.
View source decisionDRN-630639915 Sept 2026Not upheld
Automobile Association Insurance Services Limited · Insurance
My final decision is that I don’t uphold this complaint. I don’t require Automobile Association Insurance Services Limited to do anymore.
View source decision