Published decisions
49,991
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
35.9%
17,931 upheld decisions
Page summary
49,991 published FOS decisions in Insurance, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.
Published decisions
49,991
Product-specific decision volume in the public corpus
Upheld rate
35.9%
17,931 upheld decisions
Latest published decision 21 Apr 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
49,991
Product-specific decision volume in the public corpus
Upheld rate
35.9%
17,931 upheld decisions
Leading firm
U K Insurance Limited
2,850 decisions
Leading complaint theme
Delay In Claim Handling
2,187 tagged decisions
Insurance in the ombudsman corpus
Analysis49,991 published decisions in this corpus sit within Insurance. 35.9% 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 869 published decisions with an upheld rate of 30.0%.
- 2026: 869 decisions, 30.0% upheld
- 2025: 8,040 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, affordability assessment failure, 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-602052321 Apr 2026Upheld
Domestic & General Insurance Plc · Insurance
For the reasons set out above, my final decision is that I uphold this complaint and require Domestic & General Insurance Plc to carry out the directions set out in the “Putting things right” section above. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss G to accept or reject my decision before 19 May 2026.
View source decisionDRN-604182921 Apr 2026Not upheld
AXA Insurance UK Plc · Insurance
For the reasons given above, I don’t uphold Mr S’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss F and Mr S to accept or reject my decision before 19 May 2026.
View source decisionDRN-604431421 Apr 2026Not upheld
Tesco Underwriting Limited · 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 S and Mr S to accept or reject my decision before 19 May 2026.
View source decisionDRN-610738821 Apr 2026Upheld
Acromas Insurance Company Limited · Insurance
For the reasons given above, my final decision is that I uphold this complaint. I require Acromas Insurance Company Limited to carry out the redress set out above.
View source decisionDRN-611137621 Apr 2026Not upheld
Marshmallow Insurance Limited · Insurance
For the reasons I have given 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 19 May 2026.
View source decision