Published decisions
6,884
Decision volume in this year-product slice
Year + product analysis
Insurance (excluding PPI) complaints in 2015
A curated public analysis of Insurance (excluding PPI) in 2015, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Page summary
6,884 published FOS decisions in Insurance (excluding PPI) during 2015, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
6,884
Decision volume in this year-product slice
Upheld rate
33.7%
2,322 upheld decisions
Latest published decision 23 Dec 2015
Upheld rate
33.7%
2,322 upheld decisions
Leading firm
UK Insurance Limited
677 decisions
Leading complaint theme
Delay In Claim Handling
1,243 tagged decisions
Insurance (excluding PPI) in 2015
6,884 published decisions in the corpus sit in Insurance (excluding PPI) for 2015. 33.7% 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 677 published decisions.
- 2015: 6,884 decisions, 33.7% upheld
- Leading complaint theme: Delay In Claim Handling
- Leading precedent signal: Disp
Firm concentration and issue profile
UK Insurance Limited, AXA Insurance UK Plc, Royal & Sun Alliance Insurance Plc, and others are the firms most often associated with Insurance (excluding PPI) complaints in 2015. 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: 677 decisions, 40.5% upheld
- AXA Insurance UK Plc: 331 decisions, 33.8% upheld
- Royal & Sun Alliance Insurance Plc: 305 decisions, 25.6% upheld
- Aviva Insurance Limited: 296 decisions, 23.3% upheld
- Ageas Insurance Limited: 283 decisions, 33.9% 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
DRN074071723 Dec 2015Not upheld
London General Insurance Company Limited · Insurance (excluding PPI)
Mrs J has complained about London General Insurance Company Limited. She isn’t happy that it provided a refurbished phone following a claim on her mobile phone insurance policy. backgroundMrs J took out an insurance policy for her phone in January 2013. A claim was made ... (2 pages)
View source decisionDRN076754123 Dec 2015Upheld
Octagon Insurance Company Limited · Insurance (excluding PPI)
Mr K complains that Octagon Insurance Company Limited (“Octagon”) treated him unfairly in cancelling his motor insurance policy.backgroundI’ve attached my provisional decision from November 2015. It forms part of this final decision. In it I set out why I was intending ... (3 pages)
View source decisionDRN105760423 Dec 2015Not upheld
Hiscox Insurance Company Limited · Insurance (excluding PPI)
Mrs K complains that Bank of Scotland plc trading as Halifax (“Halifax”) mis-sold her a mortgage payment protection insurance (“MPPI”) policy. If she was too ill to work or was made unemployed, the policy would have paid out enough to cover her mortgage repayments and pro... (4 pages)
View source decisionDRN135560123 Dec 2015Upheld
AXA Insurance UK Plc · Insurance (excluding PPI)
Mr and Mrs M are unhappy with payments AXA Insurance UK Plc has made to them in settlement of their house insurance claim for damage to their property.backgroundAXA paid Mr and Mrs M money to settle their claim. Further damage was found and, based on an estimate rec... (2 pages)
View source decisionDRN149377823 Dec 2015Upheld
ACE European Group Limited · Insurance (excluding PPI)
Mr L complains about ACE European Group Limited’s decision to turn down a claim made under his former employer’s group injury and travel insurance policy.backgroundMr L was signed off work by his GP due to depression and work related stress. He made a claim under th... (4 pages)
View source decision