Published decisions
2,902
Decision volume in this year-product slice
Year + product analysis
Insurance (excluding PPI) complaints in 2013
A curated public analysis of Insurance (excluding PPI) in 2013, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
2,902 published FOS decisions in Insurance (excluding PPI) during 2013, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
2,902
Decision volume in this year-product slice
Upheld rate
43.1%
1,250 upheld decisions
Latest published decision 06 Dec 2013
Upheld rate
43.1%
1,250 upheld decisions
Leading firm
UK Insurance Limited
294 decisions
Leading complaint theme
Delay In Claim Handling
553 tagged decisions
Insurance (excluding PPI) in 2013
2,902 published decisions in the corpus sit in Insurance (excluding PPI) for 2013. 43.1% of those decisions were upheld, which makes this a strong public cross-section for understanding how one product behaved in one specific year.
UK Insurance Limited is the most visible firm inside this year-product slice, with 294 published decisions.
- 2013: 2,902 decisions, 43.1% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Disp
Firm concentration and issue profile
UK Insurance Limited, Ageas Insurance Limited, Royal & Sun Alliance Insurance Plc, and others are the firms most often associated with Insurance (excluding PPI) complaints in 2013. This gives a much tighter public view than the standalone year or product pages alone.
delay in claim handling, policy wording ambiguity, non-disclosure or misrepresentation, and others are the strongest complaint-theme signals in this year-product combination.
- UK Insurance Limited: 294 decisions, 29.3% upheld
- Ageas Insurance Limited: 152 decisions, 58.5% upheld
- Royal & Sun Alliance Insurance Plc: 148 decisions, 33.8% upheld
- AXA Insurance UK Plc: 146 decisions, 54.1% upheld
- Aviva Insurance Limited: 132 decisions, 40.1% upheld
Handling implications and precedent context
The advisory layer for Insurance (excluding PPI) points to recurring handling implications here, 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.
There is no strong “what loses” signal exposed for this product at the current advisory granularity.
- Leading complaint theme: Delay In Claim Handling
Representative cases
Recent published decisions in this slice
5 examples shown
DRN131787406 Dec 2013Upheld
Ageas Insurance Limited · Insurance (excluding PPI)
Mr D’s complaint is that Ageas Insurance Limited rejected his claim for medical expenses under his travel insurance policy. backgroundMr D purchased single trip travel insurance in June 2011 underwritten by Ageas. During the medical screening call he declared several medical conditions. T... (2 pages)
View source decisionDRN314052306 Dec 2013Not upheld
UK Insurance Limited · Insurance (excluding PPI)
Mr and Mrs H have complained about the decision of UK Insurance Limited (“UKI”) to decline their claim made under their home insurance policy for damage caused by water coming through their roof.backgroundMr and Mrs H contacted UKI after water entering through their roof had caused dama... (2 pages)
View source decisionDRN464996906 Dec 2013Not upheld
UK Insurance Limited · Insurance (excluding PPI)
Mr C has complained about the decision of UK Insurance Limited (“UKI”) to decline his claim made under a home insurance policy for damage to his roof. backgroundMr C made a claim to UKI after he noticed that several slates had fallen from his property’s roof. He considered that thi... (3 pages)
View source decisionDRN731568206 Dec 2013Upheld
AXA Insurance UK Plc · Insurance (excluding PPI)
Mr and Mrs L have complained about AXA Insurance UK Plc’s (“AXA”) offer made in settlement of their claim for damage to their property following a storm in January 2012. backgroundI issued a provisional decision in this case in October 2013. That provisional decision stated the followin... (3 pages)
View source decisionDRN742360306 Dec 2013Not upheld
Simplyhealth Access · Insurance (excluding PPI)
Miss A has complained about the premium increase applied to her private medical insurance policy by Simplyhealth Access (“Simplyhealth”) and its advice to switch products in 2008.backgroundMiss A held a policy (“policy R”) with Simplyhealth. Miss A explains that in August 2008, Simply... (2 pages)
View source decision